Spotlight: Contractors Pollution & Professional for Non-Environmental Contractors

Contractors Professional is a combined CPL and Professional Liability policy that is custom tailored to address the risk exposures encountered by non-environmental contractors.

Premiums start at $5,000 and limits are available from $1,000,000. See available coverage enhancements.

Target risks include, but are not limited to:

  • General Contractors
  • Electrical Contractors
  • Construction Managers
  • Site Prep Contractors
  • Plumbing Contractors
  • HVAC/Mechanical Contractors
  • Utility Contractors
  • Other contractors

Need professional claim scenarios for non-environmental contractors? Click HERE.

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Why do non-environmental contractors need Professional coverage?

Contractors often have exposures for professional liability, either from operations they perform or those performed by entities working on their behalf. Examples can include construction management, subcontracted design work, testing for contaminants, or monitoring environmental conditions. Contractors may perform operations themselves that expose them to professional claims, including job site modifications, selection and supervision of subs, adhering to local codes and ordinances, etc. Contractors may also be brought into claims arising from subcontracted design, construction management, and project delivery methods.

While some of these concerns may be addressed as “means and methods” under the GL form, and thus excluded in part from this Professional coverage, it is important for contractors to consider these exposures and understand where their exposures are covered. There is significant value in packaging this coverage with Contractors Pollution, including sharing limits, broad coverage forms, and excellent carriers.