The Ins and Outs of Contractors Professional & Pollution Liability Coverage

Denise GillinConstruction

By Gary Semmer, CIC, CWCA, Executive Vice President & Construction Vertical Practice Leader for Assuredpartners

Does standard General Liability insurance provide coverage for design activities or modifications and environmental or remediation services? Great question, and the chances are likely that the answer is no. Commercial General Liability and Umbrella policies have evolved over the years, but one thing has remained constant: they contain Professional Liability and Pollution Liability ‘exclusions or restrictions’ that negate coverage. Additionally, more subcontract insurance agreements require Contractor’s Professional Liability (errors & omissions) coverage for design/build activities or design modifications and Contractors Pollution Liability coverage for environmental/remediation services provided.

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