Pollution Liability
All contractors face Pollution exposures. Combined with increasing environmental pressures from State and Federal agencies including the EPA, many contractors realize the need to minimize their exposures for pollutant dangers to air, water, soil, and even bodily contamination. Spills and fumes resulting from accidental pipe, barrel or tank punctures, lead contamination in pre 1978 built homes, fire, explosion, storm, and vandalism incidents all put contactors at risk. Many of these exposures are uncontrollable or unpredictable, thus the need to Contractors Pollution Liability arises.
Agents can protect their E&O and provide value-added services to their contractor clients by offering Pollution Liability quotes. Western Pacific's dedication to serve agents with full-service contractor insurance programs continues with it's Pollution Liability program fit for any contractor.
Program Highlights:
- Options to combine Pollution, GL, and Professional Liability
- 90% hit ratios for Restoration Contractors
- "A" and "A+" rated carrier option
- Minimum premiums as low as $2,500
- "Lead-only" premiums as low as $850
- Coverage for job site operations, owned or leased properties, transportaion, and disposal liability all available
- Annual and per project policies
- Limits up to $25m available
- Occurrence and claims made forms
- Fact sheets and supplemental information to provide your contractors are available upon request
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New EPA Lead Regulations
After an extension by the EPA, effective October 1st, 2010 the Environmental Protection Agency requires all contractors who perform activities that disturb painted surgaces in homes and child-occupied facilities built before 1978 to be trained to use lead-safe work practices, and also requires renovation firms to be EPA-certified. Contractors that fail to comply with the rules may face civil fines in excess of $32,500 per incident, per day.
Coincided with ever increasing attention to environmental safety, these requirements generate several lead pollution liability exposures for almost all contractors including project managers, general contractors, restoration contractors, painters, plumbers, carpenters, electricians and many more. Agents should protect their E&O exposure and offer Pollution Liability to their contractor clients.
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