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The history of pollution liability insurance

56450767 - environmentalist taking sample of polluted waterWhy do contractors need pollution liability insurance? Shouldn’t this be covered under a commercial general liability insurance policy? There is a history of pollution liability in the United States, which brought about the need for a special policy that specifically covers pollution liability.

Several decades back, in the 1960s and 1970s, factories had been allowed to release air pollutants and chemicals in water supplies virtually unchecked. America started to become more aware of these environmental concerns and legislation was enacted in an effort to begin a massive clean-up of these polluted sites. The parties responsible for the pollution began to seek coverage for this clean-up in their general liability insurance policies.

Insurers, on the other hand, wanted no part in covering the billions of dollars of environmental clean-up efforts and changed the wording in general liability policies to specifically exclude coverage for pollution. There was no general liability coverage for pollution damage such as a toxic spill.

To this day, pollution coverage is excluded from most, if not all, general liability policies. Thus, the need for a special policy to cover pollution liability. The pollution liability policy covers bodily injury and property damage to third parties in environmental clean-up. Environmental contractor policies cover liability risks arising from operations involving environmental clean-up.

C & S Specialty Underwriters offers a contractor’s pollution liability policy, which provides coverage to environmental contractors for bodily injury, property damage and clean-up costs arising from remediation efforts. This provides liability protection for contractors involved in fire and water restoration, mold remediation, soil and groundwater remediation, above and underground storage tank removal, radon mitigation, lead, asbestos and PCB remediation and other types of environmental contractors.

We also offer the environmental contractor’s consultant’s package policy which combines coverage for commercial general liability, pollution liability/environmental consultant’s professional liability, all rolled into one convenient policy. Contact us to discuss liability solutions for your environmental contractor clients. http://csunderwriters.com/