NOTE: There Are Four Separate Categories Covered On This Page. Please View All Four

I. Liability Insurance for Restoration & Mold Contractors

POLICY HIGHLIGHTS

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 Low Deductibles

MINIMUM PREMIUM
Starting at $4,000 for CPL and $6,000 for CGL/CPL

APPLICATION REQUIREMENTS
RESTORATION AND MOLD CONTRACTORS APPLICATION
(APPLICATION REQUIREMENTS - see application bellow)

II. Mold Remediation Contractors and Consultants
NOTE: Any risk involved in mold work must be able to demonstrate experience in mold or related environmental areas of a nature and duration satisfactory to underwriters.

ELIGIBLE CLASSES
Mold Remediation Contracting
Mold Consulting
Mold Sampling

EXCLUDED CLASSES
1. Please do not submit applications for risks whose prior experience is in fields such as: real estate sales, home inspections, termite inspections, general construction or any other discipline that is not directly involved in environmental work.
2. Please do not submit applications for risks whose workers have not received mold specific training.

POLICY HIGHLIGHTS
Commercial General Liability (CGL) – Occurrence Form
Contractors Pollution Liability (CPL)– Claims Made Form
Professional Liability (PL) – Claims Made Form*

MINIMUM PREMIUMS
Mold Consultants: $5,000 and up*
Mold Remediation Contractors Combined CGL/CPL: $7,500 and up*
Fire/Water Restoration Contractors with Mold Remediation Operations Monoline
CPL: $4,000 and up*

APPLICATION REQUIREMENTS
Fully Completed Contractors and Consultants Application for Mold Consultants.
Fully Completed CPL Application and Acord 125 & 126 for Mold Contractors.
Resumes detailing experience, training and education.
Copy of mold training certifications.
Fully Completed Current Ongoing Projects form.
Copy of standard client contract used on mold projects.
Copy of standard operating procedures for mold remediation (Mold Contractors Only). Incomplete submissions will be declined.

Download/View Application:

MOLD CONSULTANTS APPLICATION		MOLDCSPL
MOLD CONTRACTORS APPLICATION		MOLDCPL

III. Contractors Pollution Liability For Construction Contractors

EXAMPLES OF ELIGIBLE CLASSES

Mold coverage is NOT available for real estate developers, home builders or paper residential general contractors.

POLICY HIGHLIGHTS
Occurrence Form Contractors Pollution Liability With Optional Claims Made Mold Extension*

MINIMUM PREMIUM
$4,000 and up*

APPLICATION REQUIREMENTS
Fully Completed Contractors Pollution Liability Application
Resumes & Current Financial Statement
Pollution Loss History AND 5 Year Currently Valued CGL Losses And Loss Narrative
Incomplete submissions will be declined.

Download/View Application: MC&CNEAPP

IV. Site Specific Pollution Liability

Excluded Territories
Residential risks in Texas and California.

ELIGIBLE CLASSES
Property Owners EXCLUDING coastal properties.

POLICY HIGHLIGHTS
Environmental Impairment Liability For Specified Sites Or Locations.
Third Party Liability Coverage Available WITHOUT Mold Exclusion.
First Party Coverage Available EXCLUDING Mold.

MINIMUM PREMIUM
$5,000 and up*

APPLICATION REQUIREMENTS
Fully completed Environmental Impairment Liability Application.
Rent Schedule.
Full copy of all environmental assessments or reports (if any).
Information on mold risk reduction and/or operations & maintenance programs (if any).
Incomplete submissions will be declined.

Download/View Application: appeil

*This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage.