Environmental Contractors &
Pollution Insurance

Environmental contractors are exposed to an array of risks. They work directly with biohazardous waste, sewage, infectious or chemical containment. It’s their responsibility to clean up spills that could lead to a potentially catastrophic environmental issue— this places a heavy burden on contractors.

Therefore, environmental contractors need more coverage than what a standard Commercial General Liability policy provides. They require broader coverages, such as contractors pollution and professional liability insurance as well.

Claim Scenarios:

Remediation Expense for Contaminated Soil: $250,000

While preparing and grading a site for a housing development, a contractor failed to recognize that the soil was contaminated.

The contaminated soil was distributed throughout the site. The sitewide cleanup incurred a hefty $250,000 bill that the contractor was held responsible for.

Mold Remediation: $200,000

A drywall contractor who was hired to build a new multi-story building nicked a water pipe with a drywall screw while working on the fourth floor. This caused a slow leak to develop behind the drywall and it seeped down to the bottom level. The water damage resulted in mold growth throughout the affected areas. The replacement of the drywall and mold remediation cost $200,000.

Remediation and Restoration Costs: $100,000

A concrete contractor was hired to pour concrete for a parking structure, but unbeknownst to the contractor, the rebar that was installed prior to the new concrete had struck a petroleum line causing a leak.

Because the leak wasn’t detected immediately, remediation and restoration expenses along with a re-pouring of the concrete totaled $100,000.