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.
General Liability has broad pollution exclusions. If your work causes a release — fuel, mold, sewage, lead, chemicals, even silica dust — GL typically denies the claim. CPL is the policy designed to respond.
Is this for you?
Inside a Pollution Liability policy.
When this coverage pays off.
Fuel spill on a job site
A subcontractor punctures a fuel tank during excavation. Pollution liability handles cleanup and third-party claims.
Mold after water damage
A restoration job leads to a mold claim. CPL responds where GL explicitly excludes.
Sewage backup into a building
A plumbing contractor’s error causes contamination of a finished space. Pollution coverage pays for remediation and damages.
Plain-language answers.
Almost never — modern GL forms exclude pollution very broadly. CPL is a separate policy.
Possibly — even electricians, HVAC, and plumbers can trigger pollution claims (sewage, refrigerant, mold).
Both forms exist; we help you choose and we keep tail coverage in mind at policy end.
Ready for a Pollution Liability quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.