Pollution Liability Insurance

No matter the risk of pollution exposure, all contractors should be covered. Protect your business with Pollution Liability Insurance.

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What is Pollution Liability Insurance?

Pollution Liability Insurance is a type of insurance coverage designed to protect contractors against the specific risks and environmental liabilities associated with exposure to pollution while working on a covered job site. 

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Coverage

What does it cover?

Pollution Liability Insurance covers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site. Coverage highlights include: 

  • Civil Fines, Civil Penalties, and Assessments
  • Emergency Response Costs 
  • Clean-up Costs and Environmental Damage
  • Transportation Exposures (e.g., loading, unloading)

In addition to Pollution Liability Insurance, for comprehensive coverage contractors may wish to consider additional insurance policies, such as:

Requirements

Who needs Pollution Liability Insurance?

Any individual or business exposed to pollution or harmful materials should protect their business with Pollution Liability Insurance.

For many projects, insurance is required regardless of the level of pollution exposure, and it is an essential form of coverage for contractors providing restoration, mold, and/or asbestos remediation. 

We’ve insured more than 1,000 contractors. Some of our clients include: 

Costs

How much does it cost?

For a small- to medium-sized business, you can anticipate a starting cost of $3,500 per year for a Contractors’ Pollution Liability package, which also includes a $2M coverage limit.

The following factors are taken into consideration when determining the best policy options for you: 

  • Certification and/or Relevant Training
  • Previous Pollution Liability Claims (in the past 5 years)
  • Years of Experience
  • Services
  • Annual and Projected Gross Revenue
  • Number of Employees

Getting insured is quick and easy!

If Pollution Liability Insurance is what you need, request a free quote now.

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Common claims scenarios

Commercial Insurance Canada Scenario

Problem: A remediation contractor came in to clean up and remove the mold growing in a client’s residential home. Years later, mold continued to grow and caused a decrease in the home’s air quality.

Outcome: The client sues the contractor $1,000,000 for bodily injury and property loss, which was covered by their Pollution Liability Insurance.

Commercial Insurance for Contractors

Problem: Jim, a renovations contractor removes asbestos while doing a bathroom renovation. Unfortunately, he didn’t remove all of it, which reduced the air quality in the household and breathing problem for one of the children.

Outcome: The client sues Jim, who never insured his business with a Commercial Pollution Liability policy. As a result,  he does not have adequate coverage and must pay $500,000 in damages.

Building on fire

Problem: Terry owns and operates an industrial mold remediation business. The night before a large commercial project, several HEPA vacuums, and air scrubbers are stolen from the storage facility. As a result, the equipment needs to be replaced.

Outcome: Terry’s Tools and Equipment Insurance covers the cost to replace the stolen equipment, totaling $63,000.

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