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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
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The Hartford is proud to be your go-to market for construction contractors. To offer contractors enhanced offerings, we’re 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, we’ve 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 insured’s 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 Hartford’s 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 Lloyd’s 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 [email protected]: 610-386-7858
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