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General Liability |
| General liability insurance
can protect against claims for bodily injury or property damage
which result from occurrences on the insured's premises, or
involves operations of the insured conducted away from its
premises or from an insured's product. For example, when an
insured is working on a client's property and a covered accident
occurs that leaves the property damaged, the policy would
respond. This insurance is a business requirement for most
environmental firms. The most relevant part for your
profession is the pollution extension. Most carriers have
specifically excluded pollution of all types. If your
activities involve handling or working with pollutants
(broadly defined), it is imperative that you have coverage
that addresses your exposures. |
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| Relevant
Programs: |
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LIABILITY INSURANCE
FOR RESTORATION & MOLD CONTRACTORS
POLICY HIGHLIGHTS
Commercial
General Liability (CGL) and/or Contractors Pollution
Liability (CPL) for risks primarily involved in water
extraction, emergency response contracting, mold remediation
and other similar categories.
Monoline Contractors Pollution Liability (CPL) for
contractors primarily involved in reconstruction/restoration
work.
CGL is usually Occurrence Form. CPL is usually Claims Made
Form
Prior Acts Available
Annual & Per Project Policies
Defense is outside the limit for CGL. Defense Costs are
included within the policy limits for CPL. |
ENVIRONMENTAL
CONSULTANTS & LABORATORIES
POLICY
HIGHLIGHTS
Combined
Occurrence Form General and Pollution Liability with a Claims Made
Professional Liability Coverage Part.
Or: Professional Liability with Optional Pollution (if insured has
separate CGL coverage), Nose Coverage and Prior Acts Available
Defense costs can be in addition to or included in policy limits,
First Dollar Defense Option |
ENVIRONMENTAL
CONTRACTORS PROGRAM
CAN
COMBINE ENVIRONMENTAL & NON-ENVIRONMENTAL CONTRACTING EXPOSURES
ON ONE POLICY.
POLICY
HIGHLIGHTS
Combined
Occurrence Form General Liability and Contractors Pollution
Liability
Or Monoline Contractors Pollution Liability (If insured has separate
CGL coverage)
Nose Coverage and Prior Acts Available
Defense costs can be in addition to or included in policy limits
First
Dollar Defense Option |
WASTE
FACILITIES LIABILITY PROGRAM
POLICY
HIGHLIGHTS
Occurrence
or Claims Made CGL Form
Nose Coverage and Prior Acts Available
Defense Costs are usually in addition to policy limits for
Commercial General Liability.
Pollution Liability also available on a claims made basis - Separate
Application is required
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MOLD
COVERAGE
Occurrence Form Contractors Pollution
Liability With Optional Claims Made
Mold Extension.
Available For Many Classes Of Construction Contractors.
Exclusive A+ XV In House Programs. |
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