Contractor's Pollution Liability
Glatfelter provides an optional Contractor's Pollution Liability (CPL) coverage enhancement to help contractors* manage environmental liabilities left uncovered by standard general liability policies.
Environmental
Our environmental products provide coverage for loss or damages resulting from the unexpected release of pollutants. It offers protection for items typically excluded from property and general liability insurance policies.
Coverage Highlights
- Non-admitted
- Coverage for bodily injury, property damage, and environmental damage resulting from pollution conditions caused by the policyholder's work—includes transportation and completed operations
- Emergency Response Costs (ERC) coverage to respond to pollution conditions that necessitate immediate action
- Coverage for liability arising from qualified non-owned disposal sites
- Coverage for microbial matter (mold), legionella pneumophila, silt/sedimentation and natural resource damages
- 24/7 assistance with emergency response, crisis management and control of costs via PIER (Pollution Incident and Environmental Response®)
- Separate Limits: $250,000 each incident/$500,000 aggregate limit (subject to a $2,500 deductible)
Option 1: Standard Coverage Endorsement
- CPL Coverage subject to a 30-day discovery/90-day reporting provision
- Defense is provided within the policy limits
- Minimum Premium = $250 or 10% of the GL premium, whichever is greater
Option 2: Premier Coverage Endorsement
Premier Coverage enhancements to Option 1 include:
- Provides defense outside policy limits
- Minimum Premium = $1,250 or 20% of the GL premium, whichever is greater
Who Needs CPL?
Some examples include: Utility contractors hitting an underground pipeline, interior construction contractors mistakenly disturbing asbestos, plumbers causing a water leak which resulted in mold growth at a job site, machinery and equipment operators leaking hydraulic fluid at a work site, transportation spills resulting from traffic accidents, tank ruptures resulting in lawsuits naming all trade contractors on the job site as parties to the litigation.
Advantages
Eligible insureds receive access to advantages, including:
- Dedicated Underwriting Team — experienced and dedicated team to help agents and their clients manage their risks.
- Underwritten by A.M. Best Carrier — Rating of A (Excellent), Financial Size Category XV.
- Environmental Claims Professionals have experience handling complex pollution claims, with a proven record of helping contractors mitigate damages and recover expeditiously from losses.
How to Apply
Application for Contractor's Pollution Liability will be available soon. In the meantime, please reach out to info@glatfelterbrokerage.com with any questions.