Skip to main content
- Individuals & Families
- Businesses
- Brokers
Quick Links
Back
Home
With winter on its way out, you may be ready for some spring cleaning.
Make sure you protect your classic cars from damage or additional wear and tear.
Keep your important papers and small valuables away from burglars, fire or natural disaster.
Back
Watercraft
For over a hundred years, we’ve offered unparalleled stability and protection for small boats, yachts, luxury mega-yachts, and more.
Back
Natural Disasters
Here are some things you can do to assist firefighters and minimize the damage to your home.
Quick Links
Quick Links
Back
Products
At their worst, disputes between professional service firms and their clients can lead to costly lawsuits.
Quick Links
Contractors Pollution Liability (CPL)
A pollution incident or loss can seriously damage a contractor’s operations, balance sheet and even reputation. It’s important that you select a policy developed specifically for your industry-related coverage needs.
Coverage
Programs can be tailored for small to major accounts:
- Policy Types available including: Practice, Project and Follow-Form Excess
- Coverage for domestic and Canada based multinational services abroad
- Coverage for work performed by or on behalf of Named Insured
- No base policy exclusions for construction defects or water intrusion
- Claims-Made and Reported or Occurrence Triggers available
- Built-in Completed Operations coverage on occurrence form
- Practice Policy Specific (Practice Policy up to two years/Project-specific construction policy period plus completed operations: terms available up to 17 years)
- Sudden and accidental and gradual pollution events
- Transportation coverage included
- Silt, soil and sedimentation built into the definition of Pollution Condition
- Built-in coverage for Emergency Response Costs
- Emergency Response timeline 7 days
- Mould coverage
- Legionella coverage
- Occurrence based Non-owned Disposal Site coverage
- Owned or leased locations coverage
- Catastrophe Management coverage
- Defence outside the limits available
- Owned site coverage for contractor’s owned/leased locations available
- Loss includes civil fines, penalties and punitive damages
- No jurisdiction and venue or choice of law provisions
- Pollution definition includes illicit abandonment
- Available for Catastrophe Management
- Project Policies can be written as OCIPS, CCIPS, or specifically for healthcare risks
Benefits
- Broad definition of pollution conditions, including the presence of fungi and legionella
- Property Damage definition includes Natural Resource Damages
- Built in coverage for Transportation and Emergency Response Costs
- Option to tailor coverage, including pollution-related blanket non-owned disposal site coverage and project excess requirements
- Environmental Incident Alerts - our complimentary program developed to assist clients find and dispatch qualifieincident response contractors, monitor cleanup costs and mitigate potential liabilities associated with environmental releases
Minimums and Limits
- Minimum self-insured retention: $5,000
- Minimum premium from $1,500 to $5,000
- Capacity available up to $50M per/aggregate limit, inclusive of legal defense costs
Target Client
Most commercial contractors, subject to underwriting guidelines, including:
- Carpentry or Framing
- Civil
- Concrete
- Construction Management
- Drywall
- Electrical Environmental
- Excavation/Site Development
- General Contracting
- Heavy Highway/Bridge
- Insulation
- Landscaping
- Masonry
- Mechanical/HVAC
- Painting
- Plumbing
- Roofing
- Street/Road