Coverage lines

CPL Coverage Lines.

From core contractor pollution liability to environmental, GL, workers comp, professional liability, and umbrella — a complete program for construction contractors with pollution exposure.

Contractor Pollution Liability (CPL)

The coverage your GL excludes. CPL covers pollution conditions arising from construction operations — disturbed contaminated soil, asbestos and lead disturbance during renovation, fuel and chemical spills, demolition dust, and groundwater contamination claims from third parties and cleanup authorities.

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Environmental Liability

Broader environmental coverage for contractors working on sites with known or suspected contamination — brownfield development, remediation support, and projects adjacent to environmentally sensitive areas. Covers cleanup costs, regulatory defense, and third-party environmental claims.

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Essential coverage

General Liability

Core third-party bodily injury and property damage coverage for construction contractors. Essential foundation for any contractor program — covers your job site presence, ongoing operations, and completed work. Paired with CPL to close the pollution exclusion gap.

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Workers' Compensation

Coverage for construction crews exposed to pollution risks on job sites — chemical exposure during excavation of contaminated soil, respiratory injury from demolition dust and asbestos disturbance, dermal contact with hazardous materials, and occupational disease from sustained pollution exposure.

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Professional Liability

E&O coverage for contractors whose work involves professional judgment on pollution risk — site assessment decisions, remediation approach selection, and pollution control measures. Protects against claims alleging your professional decisions led to contamination or inadequate environmental protection.

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Umbrella / Excess Liability

Additional liability capacity above your primary GL and CPL for contractors working on large projects with significant environmental exposure. Project owners, municipalities, and general contractors often require $5M or more in total liability capacity for work involving pollution risks.

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Not sure which coverage you need?

Call 844-967-5247 or get a quote. We'll identify the right CPL program for your operation and project types.

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