Contractors & Consultants: Packaged Coverage

What are Packaged Environmental Coverages?

Packaged insurance for environmental contractors & consultants combine various lines with a shared limit and/or aggregate. Examples include Commercial General Liability/Contractors Pollution Liability plus Professional, CPL and Professional, or General Liability and Premises Pollution. Combining these coverages can create a substantial cost savings for the client.

How do they work?

• Coverage usually based off of the CGL Pollution Coverage Part.
• Packages can then add Contractors Pollution (sharing the same limit).
• Benefit is that it provides coverage that fills much of the CGL pollution exclusion gap.
• Packages can then add the Professional Liability (sharing the same limit).
• Again, the benefit is having the same carrier provide coverage typically excluded from the CGL.
• Package can also cover Premises Specific Pollution Liability, Over the Road Pollution, Storage Tanks, and more.
• Coverages are written with combinations of triggers, depending on options selected.
• Various retentions depending on lines chosen.
• All coverages share one aggregate.

Optional Coverage Enhancements

• Can be packaged with Products Pollution
• Mold/fungus coverage may be offered
• Prior Claims Made Nose coverage
• Separate defense limits
• Non-owned disposal site coverage
• And many others…

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