Does general liability cover pollution?
CGL policies commonly contain pollution exclusions, with limited exceptions. The actual form must be reviewed.
Contractors Pollution Liability
A contractor can create an environmental loss without operating a chemical plant. Fuel spills, mold, disturbed contaminants, silica, refrigerants and job-site releases may fall outside ordinary general-liability protection.
Serving Utah and all 50 states. Contractors and specialty trades along the Wasatch Front and beyond, from Cache Valley to Washington County, can work with a local advisor who also writes coverage in all 50 states. Contracts, lenders and carriers often ask for specific limits and documentation, so we review your contracts and operations before going to market. Reach out for a no-pressure review of what you have today.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Job-site releasesFuel, hydraulic fluid, chemicals or contaminated materials can create cleanup liability.
Mold & bacteriaWater intrusion or remediation work can create microbial exposures.
TransportationPollutants in transit can create separate environmental and auto-related issues.
Contract requirementsOwners increasingly require contractors pollution liability for certain trades and projects.
Common Questions
Questions worth answering before renewal.
Who needs CPL?
Environmental, excavation, HVAC, plumbing, roofing and industrial contractors are common examples, but exposure depends on operations.
Can it include completed operations?
Many CPL forms can address completed-operations pollution exposure, subject to terms and retroactive dates.
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Start with a conversation about your operation, current program and what you want to improve.