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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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.
Common questions.
Does general liability cover pollution?
Which contractors need pollution coverage?
Do contracts require pollution coverage?
Does it cover mold?
Is your environmental exposure actually covered?
General liability's pollution exclusion is a major hidden gap for many trades. We find it and close it.
Close the pollution gap.
Tell us about your operations and we will cover the environmental exposure general liability excludes.