contractors pollution liability (cpl) coverage

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  • Business InsuranceEmployee BenefitsAutoHome

    MIDDLE MARKET CONSTRUCTION | FOR PRODUCERS ONLYCONTRACTORS POLLUTION LIABILITY COVERAGE

    ROUND OUT YOUR CONTRACTOR ACCOUNTS WITH OUR POLLUTION LIABILITY COVERAGE.

    Prepare. Protect. Prevail. With The Hartford.

  • BRIDGING COVERAGE GAPS FOR CONTRACTORS

    2

    The Hartford is proud to be your go-to market for construction contractors. To offer contractors enhanced offerings, were pleased to provide a comprehensive new coverage. Called CPL, this product is designed to:

    Provide contractors pollution liability coverage for bodily injury, property damage and environmental damage

    Meet the needs of contractors that may have a pollution exposure during the course of their covered operations and unknown pollution incidents associated with completed operations (see Target Customers on page 4)

    Close a coverage gap by providing five primary coverage options: Coverage A: Construction Job Site Pollution Coverage B: Pollution Emergency Mitigation Expense Coverage C: Construction-Related Transportation Pollution Coverage D: Non-Owned Disposal Site (NODS) Pollution Coverage E: Pollution Legal Liability Covered Owned

    Location

    Offer contractors the freedom to tailor the protection they need with coverages that are offered with: A self-insured retention, starting at $5,000 Limits up to $25 million (defense costs are 30% in addition to policy limits)

    CONTRACTORS POLLUTION LIABILITY (CPL) COVERAGE

    DEDICATED UNDERWRITER TO ASSIST YOUTo help you grow and service your CPL book of business, weve provided a dedicated underwriting team to assist you. All the information you need to contact your CPL underwriter is on page 4.

    MAY BE OFFERED ON A NON- ADMITTED BASIS

  • THE NEED FOR CPL COVERAGEContractors face many pollution risks stemming from operations at their job sites. These include contaminated soil exacerbation, accidental release of fuel oil, chemicals and toxic gas spills from broken pipelines/utilities, and leaks from stationary and mobile fuel tanks, microbial matter, legionella, silt and sediment runoff, asbestos and lead exposures. Most CGL policies contain an absolute pollution exclusion, leaving contractors to face an uninsured loss. Our CPL insurance helps protect contractors from a wide range of pollution risks associated with construction projects.

    PROGRAM PARAMETERS Covers bodily injury, property damage and

    environmental damage that takes place during the policy period resulting from contractors covered operations and completed operations

    Self-insured retention (SIR) programs; starting at $5,000

    Limits up to $25 million

    Available countrywide and in Canada on a non-admitted basis

    CPL can be offered as a standalone coverage on a practice or project-specific basis

    Minimum premium of $10,000

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    CPL FACT SHEET

    FIVE PRIMARY COVERAGE OPTIONS Coverage A: Construction Job Site Pollution Covers

    damages for bodily injury, property damage, environ-mental damage, natural resource damage and asso-ciated remediation costs that result from a pollution incident caused by covered or completed operations at a construction job site

    Coverage B: Pollution Emergency Mitigation Expense Covers expenses to mitigate a pollution incident caused by covered operations at a construction job site

    Coverage C: Construction-Related Transportation Pollution Covers damages for bodily injury, proper-ty damage, environmental damage, natural resource damage and associated remediation costs resulting from a pollution incident that takes place during the course of transportation to or from a covered owned location or a construction job site

    Coverage D: Non-Owned Disposal Site (NODS) Pol-lution Covers damages for bodily injury, property damage, environmental damage, natural resource damage and associated remediation costs that result from a pollution incident on, at, under or migrating from a non-owned disposal site

    Coverage E: Pollution Legal Liability Owned Site Covers damages for bodily injury, property damage, environmental damage, natural resource damage and associated remediation costs that result from a pollution incident which begins and ends within 10 days and is on, at, under or migrating from a covered owned location

    SUPPLEMENTAL COVERAGESOur CPL coverage also offers optional supplemental coverages that give contractors the freedom to tailor the coverage they need. These include:

    Litigation Attendance Expense: Reimburses loss of earnings and expenses incurred while attending a hearing, deposition or trial

    Subpoena Expense: Covers the retention of counsel and associated expenses incurred to respond to a subpoena including expenses related to production of documents and giving testimony

    Corporate Reputation Rehabilitation Expense: Reimburses expenses charged by a public relations firm to restore an insureds corporate reputation

  • TARGET CUSTOMERSClasses General contractors Construction managers Design/Build contractors Alternative energy, site prep/excavation, bridges,

    highway/street and road, steel erection, utility, industrial, HVAC, carpentry, plumbing, drywall, electrical, painting, masonry, communication

    Projects Commercial, industrial, including healthcare,

    offices, schools/colleges, shopping centers, retail, airports, apartments, recreational/sports, energy, state/municipality, manufacturing, heavy highway/street and road

    KEY FEATURES Offered on a practice or project basis Closes a coverage gap CPL is designed to

    provide pollution liability coverage, for both covered operations and unknown pollution incidents associated with completed operations

    Offers contractors the freedom to tailor the protection they need and features coverages that are offered with: A self-insured retention Limits up to $25 million 30% defense costs outside the policy limits Client as additional insured when required by written contract

    Joint venture coverage Natural resource damages Illicit abandonment coverage

    May be offered on a non-admitted basis

    MORE COMPLETE COVERAGE, ALL IN ONE PLACEWith a dedicated underwriter to assist you, you can offer your contractor clients a more complete package of coverages from The Hartford, including: General Liability through our General Liability

    Choice policy; including our contractors broad form endorsement

    Professional Liability through our Contractors Professional and Protective Indemnity (CPPI) coverage

    Pollution Liability through our Contractors Pollution Liability (CPL) coverage

    Professional and Pollution Liability through our Contractors Professional and Protective Indemnity Plus (CPPI+) coverage

    Commercial Auto Workers' Compensation Contract Surety Bonds Inland Marine, including Builders Risk,

    Contractors Equipment and Installation Umbrella Liability Owners & Contractors Protective Liability Property Railroad Protective Liability

    COMMITTED TO CONSTRUCTIONWe demonstrate our commitment through our: Complete coverage offerings Dedicated CPL underwriter to assist you Proven-effective risk engineering programs Contract management support Superior claims services

    14-1081 October 2015 The Hartford Financial Services Group, Inc. All rights reserved.

    YOUR DEDICATED CPL UNDERWRITER CALL TODAY.I can assist you in closing coverage gaps for your contractor clients with The Hartfords Contractors Pollution Liability coverage. Contact me today.

    General Product Description: This general product description is informational only and designed for insurance producers. It is neither an offer to sell nor a solicitation to purchase any particular insurance product, and may not be disseminated to the general public. This general product description outlines the coverage(s) that may be afforded under a policy from The Hartford. All policies should be examined carefully for suitability and to identify all exclusions, limitations, and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.

    About Surplus Lines Coverage: The coverage(s) identified in this general product description may be written on a surplus lines basis. Coverage(s) may not be available in all jurisdictions and may be available only through appropriately licensed surplus lines brokers. Placement and eligibility for surplus lines insurance coverage is subject to state regulation. Surplus lines insurance policies are generally not guaranteed by state guaranty funds.

    About The Hartford Underwriting Companies: The coverage(s) identified

    in this general product description may be underwritten by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In Texas, coverage(s) are underwritten by Hartford Accident and Indemnity Company, Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Lloyds Insurance Company, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Twin City Fire Insurance Company, Hartford Underwriters Insurance Company, Property and Casualty Insurance Company of Hartford and Sentinel Insurance Company, Ltd.All coverage(s) offered on a surplus lines basis are underwritten by Pacific Insurance Company, Limited (licensed solely in Connecticut) and Hartford Insurance Company of Illinois (licensed in Illinois, Michigan, New York and Pennsylvania).

    The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.

    SHELLI HAMILTONSHELLI.HAMILTON@THEHARTFORD.COMT: 610-386-7858

    Busin

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