Environmental Professional Exposures for Contractors Exposure Risk Insurance

Contractors Pollution Liability (CPL) policies are designed to respond to claims against contractors for pollution events related to their contracting operations. These activities typically consist of the day to day, hands-on processes a contractor conducts in order to complete a project. This is in contrast to professional services, which are typically thought of as the management, design, or oversight of contracting operations, not the contracting operations themselves.

The general definition of professional services implies that those services are provided by individuals that have a particular education, degree, or professional expertise in order to provide the services. It is becoming more common for the line between these two distinct services to blur, and for contractors to take on more professional responsibility than intended.

There are many examples where general contracting situations generate a professional liability claim. A few areas of particular note include: