Wednesday, March 10, 2010
 
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Typical Customers

General Contractors
Homebuilders
Construction Managers
Plumbers
HVAC & Mechanical Contractors
Electricians
Painting Contractors
Roofing Contractors
Landscapers
Waterproofers
Mold Abatement Contractors
Excavators
Carpet Cleaners
Restoration Contractors
And many more...

Applications
Articles & Examples
 
 
Contractors Pollution Liability
Potential Exposures

Theft or attempted theft can result in releases of paints, lacquers, stains or adhesives. Vandalism can also result in releases of these compounds or scrapped or waste materials

Maintenance errors from heating, ventilation and air conditioning can result in the release of airborne bacteria or carbon monoxide build up.

Poor waste management can result in the spreading, inadvertent transport, or disposal of unknown contaminated water, soil or other materials.

Completed operations exposures including incomplete line hook-ups, improper system construction, etc., causing spills or emissions.

Development of mold or fungus from water intrusion due to incorrect installations, piping or HVAC errors, wet materials or improper sealing procedures.

Spray-on roofing operations can result in spills of urethane, polymer or thinners, which can reach open drains, soil or surface water.

Product Details

Minimum Premium: $2,500-$3,000
Claims-Made or Occurrence
Mold Coverage is Available
Typically flat-rated (no audit)
Transit coverage can be added by endorsement

Typically includes:

  • Blanket Additional Insureds
  • Blanket Waiver of Subrogation

May be combined with Professional Liability for construction managers and trade contractors with design exposure.

Underwriting Requirements

CGL Loss Runs
Most Recent Year-End Financial Statements
Claims Made CPL Retro Date Requires Evidence of prior coverage
Completed Carrier Application (required to bind coverage)

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