Environmental & Pollution Liability

Pollution Liability Insurance for Contractors

Victor's Pollution Liability insurance policy protects contractors against claims for third party bodily injury, third party property damage or third party environmental damage, including cleanup costs, caused by pollution conditions resulting from the performance of their work.

Eligibility

Various contractors responsible for either environmental or non-environmental operations are eligible for pollution liability insurance, whether acting as a general contractor, subcontractor or construction manager. Examples:

• Fire and flood restoration
• Asbestos/Lead/Mould abatement
• Tank installation or removal
• Excavation
• Sewer/Water
• Demolition
• Marine
• Site restoration

Contractors and owners are eligible for project-specific pollution liability insurance on our Contractor-Controlled (CCIP) and Owner-Controlled (OCIP) programs.

Coverage Details

• Policy Form – Occurrence or claims-made and reported
• Policy Period – Annual policies; Multi-year policies for specific projects, including completed operations and extended reporting period
• Capacity – Limits up to $10,000,000 each incident/aggregate
• Standard deductible – $5,000
• Minimum premiums – Contact an underwriter
• Territory – Coverage for claims made in Canada

Policy Features

• Coverage for gradual and sudden pollution conditions
• Emergency Remediation Costs
• Improper supervision of subcontractors which results in pollution conditions
• Completed operations
• Supplementary payments do not reduce the limit of liability (certain conditions apply)
• Incidental transit
• Automatic extended reporting period of 30 days
• Civil fines, penalties or assessments
• Deductible does not apply to Supplementary Payments

Additional Coverages Available

• Mould coverage is available on a claims-made and reported basis
• Non-owned disposal sites

Submission Requirements

• A completed Victor Pollution Liability Insurance for Contractors application form (Annual Policy) or a completed Victor Pollution Liability Insurance for Contractors application form (Project-specific Policy) 
• For specific projects, please include the following: job specifications, contract, project description and site plan