Business Insurance
Pollution Liability Insurance, explained.
For pollution related claims that GL explicitly excludes.
Pollution Liability Insurance
Pollution Liability (also called Contractors Pollution Liability or CPL and Environmental Impairment Liability for premises) covers third party claims and cleanup costs arising from pollution conditions caused by your operations or at your site.
Inside a Pollution Liability policy.
Third party bodily injury & property damage from pollution
On site and off site cleanup costs
Defense costs
Mold and microbial matter (with endorsement)
Transported pollutants (with endorsement)
Is this for you?
Contractors handling fuel, chemicals, or hazardous materials
Roofers, restoration and remediation companies
Site work, demolition and excavation contractors
Property owners with environmental exposures
Any operation where a release could harm soil, water, or air
Plain language answers.
Is pollution coverage in my GL?
Almost never, modern GL forms exclude pollution very broadly. CPL is a separate policy.
Do I need it as a clean trade contractor?
Possibly, even electricians, HVAC and plumbers can trigger pollution claims (sewage, refrigerant, mold).
Is it claims made or occurrence?
Both forms exist; we help you choose and we keep tail coverage in mind at policy end.
Coverages that pair well with this one.
Ready for a Pollution Liability quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.