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Firms Learn Pollution Coverage Essential to Construction Risk Management Toolbox

An excavation contractor purchased pollution coverage for $8,000. The driver for purchasing coverage was encountering pre-existing contamination in soil on a project and realizing that there was no coverage in their General Liability (GL) policy for this risk.
An electric contractor purchased pollution and professional coverage for $30,500. The reason for purchasing was a contractual requirement from their general contractor.
A general contractor purchased pollution and professional coverage for $49,500. Their need for this was realized when their mold claim was declined by their GL carrier due to the pollution exclusion.
A mechanical contractor purchased pollution and professional coverage for $27,000. They had a recent indoor air quality issue that opened their eyes to their exposures/liability.
A utility contractor purchased pollution coverage for $44,000. They cited that “the cost was worth protecting themselves against environmental exposures due to their large size and the number of active projects.”
An environmental contractor purchased pollution and professional coverage for $5,000. They realized the affordability of the coverage more than justified protecting themselves against professional exposures.
A construction manager purchased a project specific pollution policy for $45,000. They were required to buy 5/5 limits because of a contractual clause from the project owner.
A general contractor purchased pollution and professional liability coverage for $75,000. Purchase was driven by a new risk manager’s review of current insurance programs.

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