Umbrella / Excess Liability for Contractors
Contamination claims can be extraordinarily expensive — cleanup alone can reach seven figures, and third-party bodily injury or property damage claims layered on top create total liability exposure far exceeding standard primary GL and CPL limits. Umbrella and excess liability coverage provides the additional capacity that project owners, general contractors, and municipal clients routinely require from contractors with pollution exposure.
What it covers
- Additional liability above your primary general liability policy
- Additional limits above your primary contractors pollution liability policy (where the umbrella follows form)
- Additional limits above commercial auto liability
- Additional limits above employers liability
- Broad form coverage where the umbrella drops down to fill primary gaps
- Defense costs above exhausted primary policy limits
Who it's for
- Excavation and demolition contractors working on large commercial, municipal, or infrastructure projects requiring high limits
- Contractors working under project agreements that specify minimum total liability capacity of $5M or more
- General contractors providing pollution liability coverage to project owners with elevated limit requirements
- Environmental contractors whose project contracts require umbrella limits above standard primary CPL amounts
Why CCA
- Umbrella quotes included with primary GL and CPL program — total cost and capacity is transparent before you commit
- Carriers whose umbrellas follow form to CPL where possible — so pollution claims access umbrella limits above exhausted CPL
- Access to excess layers above $10M for large environmental contractors on major projects
- Fast certificates showing combined primary and umbrella limits for project bid packages
Common questions about umbrella / excess liability
This depends on the umbrella form. Some umbrellas are written to follow form to the underlying CPL, meaning pollution claims that exhaust CPL limits can access umbrella limits. Others have their own pollution exclusions, leaving CPL as the only source of pollution coverage regardless of umbrella limits. We review umbrella forms against your CPL and identify any coverage gaps before binding.
Requirements vary by project and client. Municipal and government contracts often require $5M in total capacity. Large commercial brownfield projects and major GC subcontract agreements may require $10M or more. Environmental remediation projects with significant cleanup cost exposure may have specific pollution liability limit requirements. We build your umbrella program to match the highest requirement you anticipate from your project portfolio.
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.
Pair it with related coverage
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.