Does general liability cover pollution?

Generally not. Standard general liability carries broad pollution exclusions, so spills, releases, and contamination from your work may be uncovered. Contractor pollution liability fills that gap.

Which contractors need pollution coverage?

Excavation, HVAC, plumbing, painting, and trades working around asbestos, lead, or mold most often. The need follows operations that can cause a pollution condition.

Do contracts require pollution coverage?

Public and industrial contracts sometimes require it outright. We check the requirement and confirm your coverage meets it.

It can, depending on the form. Mold and microbial conditions are sometimes addressed by contractor pollution coverage, and we confirm whether your form includes it.

Contractor Pollution Liability Insurance

Environmental exposure general liability excludes.

Many contractor operations, excavation, HVAC, plumbing, painting, and demolition-adjacent work, can cause pollution incidents that general liability excludes. Contractor pollution liability covers that environmental exposure and the cleanup that follows.

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Contractor pollution liability covers bodily injury, property damage, and cleanup costs from pollution conditions arising out of your operations, which general liability commonly excludes. It is important for trades that disturb soil, handle chemicals or refrigerants, or work around hazardous materials.

Why general liability is not enough

Standard general liability carries broad pollution exclusions, so a fuel spill, a refrigerant release, contaminated soil or water, or a mold condition arising from your work may not be covered at all. For contractors whose operations can cause these conditions, the pollution exclusion is one of the largest hidden gaps in a standard program.

Who needs it

Excavation and site work (soil and groundwater), HVAC and refrigeration (refrigerants), plumbing (sewage and water), painting and coatings (solvents), and any trade working around asbestos, lead, or mold all carry pollution exposure. Some contracts, especially public and industrial ones, require contractor pollution coverage outright. The need follows the operation, not the trade name.

How we handle it

We assess where your operations create pollution exposure and place contractor pollution liability to match, on the right form and limit, including transported-cargo or mold coverage where relevant. We confirm it meets any contract requirement and coordinate it with general liability so the environmental gap is actually closed.

Environmental exposure general liability excludes.

Why general liability is not enough

Who needs it

How we handle it

Common questions.

Is your environmental exposure actually covered?

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Close the pollution gap.