Contractors Pollution Liability Insurance
Third-party bodily injury, property damage, and cleanup cost coverage for pollution conditions your CGL policy excludes — built for excavation, demolition, mold remediation, asbestos abatement, HVAC, and general contractors nationwide.
Closes the CGL Pollution Gap
Third-Party Injury + Property Damage + Cleanup Costs
Coverage for excavation, demolition, mold, asbestos & more
Coverage By Trade
CPL Insurance Built for Your Trade
Contractors pollution liability closes the gap standard general liability leaves open — sized to the specific pollution exposure your trade actually faces.
Why Choose Us
Why Contractors Choose Us for CPL
We specialize in contractors pollution liability. That means we know the exposure by trade, we know which markets write it, and we know what a general contractor, permit office, or property owner actually requires to see on a certificate.
Pollution Liability Specialists
We understand the CGL pollution exclusion, how carriers rate contractor pollution exposure by trade, and what documentation strengthens your position with underwriters.
Competitive Rates
Access to specialty markets that actually write contractors pollution liability — not standard carriers that exclude pollution outright or over-rate the exposure.
Same-Day Certificates
Need proof of CPL coverage for a bid, a permit, or a general contractor's requirement by tomorrow? We process certificates same-day.
Licensed in All 50 States
Whether your crews work in one state or across the country, we can place coverage where you need it.
Founded in 2005
20+ years in specialty insurance. We know which carriers actually pay pollution claims and which policy forms hold up under scrutiny.
Claims Advocacy
When a pollution claim happens, we're in your corner from first notice through resolution — not hiding behind a carrier call center.
CPL vs. CGL
Closing the Gap Your CGL Policy Leaves Open
Contractors pollution liability isn't a duplicate of coverage you already have. It responds to an entire category of claims standard commercial insurance is written to exclude.
CGL Has a Pollution Exclusion
Standard commercial general liability policies carry a total pollution exclusion — broad language that removes coverage for bodily injury, property damage, and cleanup costs tied to a pollution condition, however it was caused.
CPL Is Operations-Based
CPL follows your work from job to job — written as a project-specific policy for a single job, or an annual practice policy covering all of your operations. It's not tied to a fixed piece of real estate.
Different From EIL / PLL
Environmental Impairment Liability and Pollution Legal Liability are typically site-specific policies bought by property owners for a fixed location. Contractors performing work at a client's site generally need their own CPL.
Often Written Claims-Made
Many CPL policies respond to claims made during the policy period, not necessarily when the pollution event occurred — a distinction that matters because contamination can surface long after a job is finished.
How It Works
Get Insured in 3 Simple Steps
From initial quote to bound coverage — our process is designed for busy contractors who don't have time to waste.
Tell Us About Your Operation
Answer a few quick questions about your trade, scope of work, annual revenue, and coverage history.
Review Your Quote
We shop specialty pollution-liability markets and present competitive options — project-specific or annual practice policy, sized to your exposure.
Get Insured Today
Bind coverage and receive your certificates same-day. Additional insured endorsements issued immediately after binding.
Years in Specialty Insurance
Licensed Nationwide
Contractor Trades Insured
Quote Turnaround
FAQ
Common Questions
Ready to Close Your Pollution Liability Gap?
Get a comprehensive CPL quote in minutes. Same-day binding, same-day certificates. Specialty coverage for excavation, demolition, mold, asbestos, HVAC, and general contractors.