When it comes to your business, a claim or lawsuit can be filed against you long after a job has wrapped up, so it is essential to make sure you are covered. For example,a couple in Ottawa is currently suing Tamarack Homes for damages, claiming that their failure to install a vapor barrier led to a mold infestation in their basement well after the project was completed. Contractors called in to do home renovations may find themselves disrupting and distributing potential pollutants left behind by contractors who didn’t take proper measures to clean the project site.
What is Pollution Liability Insurance?
Pollution liability insurance policy covers clean-up costs, bodily injuries, or property damages caused by pollution or toxic substances produced as a result of your work is necessary. There is a common misconception that contractors only need pollution insurance if they work with hazardous waste and materials; however, nearly all contractors are exposed to a varying level of pollution that isn’t covered by a commercial general liability policy.
Every day construction activities such as drilling, trimming, and installing materials can cause solid particles to become airborne, leading to potential bodily injury and property damage. Silica dust that spreads from drilling and grinding is particularly dangerous and can lead to many health issues if inhaled.