What CPL Covers
Construction pollution liability insurance fills the gap that GL's pollution exclusion creates. Here's exactly what your CPL program covers and what it doesn't.
CPL Coverage in Detail
West Coast
CA, OR, WA — High-density urban markets with contaminated site development.
Mountain West
CO, AZ, NV, UT — Expanding markets with brownfield redevelopment in major metros.
Texas & Gulf Coast
TX, LA, MS — Petrochemical and industrial corridor construction with significant pollution exposure.
Midwest
IL, OH, MI, IN — Former industrial heartland with extensive brownfield and contaminated site renovation.
Northeast
NY, PA, NJ, CT — Dense urban markets where nearly every excavation encounters historical contamination.
Southeast
FL, GA, NC, SC — Coastal and inland markets with growing contaminated site development.
Mid-Atlantic
MD, VA, DC, DE — Federal, commercial, and mixed-use construction in historically developed corridors.
Pacific Northwest
WA, OR, ID — Timber industry legacy sites and urban industrial redevelopment.
Featured regions
Dedicated pages for key dairy regions.
Licensed and writing in all 50 states
We write CPL programs for construction contractors in all 50 states. Coverage is available for excavation, demolition, renovation, environmental, and general contractors nationwide.
Get a quoteCoverage area questions
Yes — contractor pollution liability specifically covers bodily injury, property damage, and cleanup costs arising from asbestos disturbance during renovation. This is one of the most common CPL claims for renovation contractors working in pre-1980 commercial buildings.
Usually not. GL's total pollution exclusion applies to petroleum products. A fuel spill from equipment or storage tanks is a pollution condition that GL excludes. CPL covers fuel spill cleanup and third-party claims.
CPL covers the emergency response, cleanup, and third-party claims arising from a UST encounter during excavation. This includes disturbed petroleum-contaminated soil and groundwater.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes contractor pollution liability programs for construction contractors coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty environmental and surplus lines carriers with established contractor pollution liability programs. Carrier selection is based on your operation type, project profile, and state.
Call 844-967-5247 immediately when a pollution event occurs or when you receive any regulatory notice or third-party demand. Early reporting is critical under CPL — late notice can jeopardize your coverage. We provide 2-hour claims response during business hours.
Yes. Monthly payment plans are available through most carriers and premium finance arrangements for annual CPL premiums.
Yes. Once CPL coverage is bound, we issue certificates same day including additional insured endorsements and environmental-specific language as required by your project owner or general contractor.
Since 2005 — over 20 years. Specialty contractor programs including CPL are a core focus of our agency.
Business name, years in operation, annual revenue, number of employees, states where you work, types of construction work (excavation, demolition, renovation, environmental), types of pollution exposure your projects create, and claims history for the past 5 years.
Yes. Newer contractors may have fewer carrier options, but we can typically place CPL coverage that meets the requirements of project owners and general contractors requiring CPL from subs.
We are experienced with project owner and GC CPL requirements. Tell us what your contract specifies — pollution-specific AI language, minimum limits, coverage territory — and we confirm your policy satisfies those requirements before binding.
Yes. We write CPL for GCs, subcontractors, excavation-only companies, specialty demolition contractors, environmental contractors, and any construction business with pollution exposure. The right program depends on your specific scope of work.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road, Suite #105, Chandler, AZ 85249.
josh@contractorschoiceagency.com.
Yes. Submit the quote form at constructionpollutionliabilityinsurance.com/quote and we will respond within 15 minutes during business hours, or call 844-967-5247.
Stop Operating Without Pollution Liability Coverage
One contaminated soil claim, one asbestos disturbance, one fuel spill — your GL excludes it. CPL covers it. Get a 15-minute quote.