Environmental & Pollution Liability
for fire & restoration contractors
Information and online form to get you started
Typical Customers: fire / water damage restoration contractors including water extraction,
demolition, mold remediation and emergency response. Servpro, Paul Davis, Steamatic, Servicemaster,
Stanley Steemer, Rytech
Some Potential Exposures:
lead, asbestos, mold emissions from incomplete/improper clean-up and remediation.
discarded woodwork and plaster from demolition or renovations may contain asbestos or lead-based paint.
development of mold or fungus from water intrusion due to incorrect installations, piping or HVAC errors,
wet materials or improper sealing procedures.
vandalism or attempted theft can result in malicious or inadvertent releases of diesel fuel, gasoline,
paints, lacquers, stains or adhesives.
Products Available:
Commercial General Liability w/ Pollution Liability (CGL/CPL)
Commercial Pollution Liability (CPL)
Minimum Premium(s):
$2,500 - Monoline CPL - No mold coverage
$5,000 - Monoline CPL - Including mold coverage
$10,000 - Combined CGL/CPL - Including Mold Coverage
Additional details:
CPL is available claims-made or occurrence.
Mold coverage is only available on claims-made form
Can comply with Servpro requirements
CPL can include:
Transportation Pollution Liability (TPL)
Blanket Additional Insureds
Primary & Non-contributory Wording
Compliance with Crawford Contractor & Alacrity Services contract requirements available upon request
CPL is typically flat-rated (no audit)
GL is typically auditable
Common Issues: Certifications
Common Underwriting Requirements: most recent year-end financial statements, updated resumes of principal
and key personnel, certifications in mold remediation, and currently valued loss runs
Chase Carmen Hunter, www.ChaseAgency.com, and Chase Financial Services Since 1993 offer services to residents of any country in the world including the following states of the United States of America:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts,
Michigan,
Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma,
Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington,
West Virginia, Wisconsin, Wyoming. Not all products are available in all states.
