Pollution Liability Insurance

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

Join thousands of contractors that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man protected by pollution liability insurance

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. 

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique, leave it to us to find the best fit for you.

Coverage

What does Pollution Liability Insurance 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:

  • Commercial General Liability Insurance: Coverage against liability claims and lawsuits alleging third-party injury or property damage due to your business operations. 
  • Tools and Equipment Insurance: Coverage for loss or damage to tools or equipment you have for your work due to unforeseen events, such as theft or mysterious disappearance. Tools and equipment are covered whether they are in your home, locked vehicle, or job-site
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, Pollution Liability 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 Pollution Liability Insurance cost?

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

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

Common scenarios where Pollution Liability Insurance is useful

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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