Professional and Contracting Services Environmental Liability Insurance Policy

Covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with Contracting Services. This policy also provides coverage for liability associated with Acts, Errors and Omissions arising from Professional Services. It can also provide coverage for liability associated with Owned Locations, Non-Owned Disposal Sites, and Transportation of the insured’s products or wastes.

Contractors Hard Hat Hub

This policy is suitable for many contractors, including:

  • General Contractors
  • Construction Managers
  • Specialty Trade:
    • Drywall
    • Painting / Coating
    • Electrical
    • Heating, Ventilation and Air Conditioning (HVAC)
    • Plumbing
    • Mechanical
    • Glazier / Curtain wall
    • Industrial Cleaning / Janitorial
    • Masonry / Concrete
    • Road, Street and Highway
    • Roofing
    • Utility
    • Excavation / Grading

Policy Benefits:

  • Broad definition of Professional Services
  • Broad definition of Insured
  • Contracting services coverage provided on an occurrence basis
  • Pollution Legal Liability for owned locations
  • First party discovery trigger for a pollution condition at a Job Site
  • Legal Expense in addition to the Limit of Liability
  • 100% additional defense up to $5 million limits
  • Mitigation Costs coverage applies to professional services performed by or on behalf of the Insured
  • Professional protective indemnity coverage
  • Emergency Response Costs coverage with no sub-limits
  • Occurrence non-owned disposal sites coverage
  • Occurrence in-bounce and out-bound transportation coverage
  • Mold Matter coverage available on an occurrence basis
  • Punitive, multiplied, or exemplary damages, and civil fines, penalties and assessments, where insurable by law
  • Mediation credit
  • Public Relations Expense is provided in addition to the limits of liability

Other Policy Features:

  • Limits of Liability up to $50 million each act, omission or pollution condition/$100 million aggregate
  • One-year and two-year policy term options

Our Strengths:

  • Exceptional service
  • Expert Underwriting staff
  • In-house claims team of licensed attorneys specializing in contractor’s professional liability and pollution liability claims handling
  • In-house Risk Engineering offering valued added services to our Insureds
  • 24/7 Emergency Response support program for all Insureds
  • AM Best Rating of A or better for over 115 years

Submission Requirements:

Learn More

  Product Summary Guide
  Overview of Products
  Professional and Contracting Services Fact Sheet
  Professional and Contracting Services Flyer

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