Environmental contractor insurance that covers your pollution exposure.

Standard ISO general liability forms (the CG 00 01) contain a builtin Pollution Exclusion that removes coverage for bodily injury, property damage, and cleanup costs arising from pollutants — which is exactly the exposure environmental remediation contractors create. The only way to close that gap is a separate Contractors Pollution Liability (CPL) policy. Many budget brokers sell a cheap 'pollution endorsement' that still denies the claim; we place real CPL.

CPL covers third-party bodily injury, property damage, and cleanup costs arising from a pollution condition caused by your contracting operations — asbestos, mold, lead, contaminated soil, groundwater plumes, and hazardous waste. It can be written on a claims-made or occurrence basis, covers your completed work as well as ongoing operations, and is the single most important policy an environmental contractor carries.

Most environmental contractors pay between $3,500 and $12,000 a year for a $1M/$2M general liability program, plus a CPL policy that typically runs $2,500–$15,000+ depending on operations, limits, and whether the work is asbestos/mold/lead abatement, soil and groundwater remediation, or tank removal. Workers' comp is rated on payroll by abatement class code. We quote the whole program in about 15 minutes and show every market's price side by side.

It depends on the work. Asbestos abatement typically falls under class code 5473 or its state equivalent, lead abatement under codes like 5474 or 5403 with a lead endorsement, mold remediation often under 5403 carpentry or a specialty mold code, and hazmat handlers under codes like 5473, 6232, or 9015 depending on the operation. Correct classification matters — wrong codes mean overpaying on premium or, worse, an audit bill and denied claim.

Only a true Contractors Pollution Liability policy does — your standard GL will deny the pollution claim under the Pollution Exclusion, and most property and auto policies exclude contamination too. We structure your program so a pollution condition (a spill, a disturbed asbestos fiber release, a groundwater plume migration) is covered for cleanup, bodily injury, property damage, and defense.

If you provide any design, assessment, sampling, monitoring, or consulting — even as part of a remediation contract — yes. A mistake in a remediation design, a missed contaminant in sampling, or a faulty site assessment can cause a financial loss that neither GL nor CPL will cover. Professional liability (E&O) closes that gap.

They should be, but only if the policy is rated for hazardous-material hauling and the real vehicle use. A generic contractor auto policy may deny a claim involving a contaminated load. We rate vacuum trucks, tanker trucks, roll-offs, and super-suckers for the actual remediation hauling exposure.

Yes. Once your program is bound we turn around additional-insured certificates — including pollution extensions, waivers of subrogation, and primary/non-contributory language — usually within minutes. We know refineries, developers, and government clients won't let you mobilize without proof of pollution coverage.

A release during transport is a pollution claim, and cleanup can be enormous. Coverage depends on the right combination: a CPL policy that extends to transportation, commercial auto rated for hazmat hauling, and a motor truck cargo / pollution policy for the load itself. We structure all three so a transit release is covered.

Yes. Contractors Choice Agency is licensed in all 50 states and writes environmental and remediation contractors from the Gulf Coast petrochemical corridor to the Rust Belt, California, and the Northeast industrial legacy markets.

Typically 15 minutes on a call for a standard program. Complex operations — Superfund cleanup, heavy soil and groundwater remediation, large tank-removal projects — may take a day or two to place with the right markets, but we move fast and tell you the timeline up front.

Most carry $1M per occurrence / $2M general aggregate for GL, a matching $1M/$2M (or higher) CPL policy, and a $2M–$5M umbrella. Refineries, Superfund prime contractors, and government clients often require $5M or $10M combined limits plus additional-insured status with pollution extension. We size limits to what your contracts actually demand.

It can and should. A properly written CPL covers claims arising from your completed operations — not just ongoing work — which matters because pollution conditions (a missed contaminant, a migrating plume, a failed cleanup) often surface years after a project closes. We write CPL on an extended-reporting or occurrence basis to cover completed work.

Not separate policies, but correct coverage. Asbestos, mold, and lead abatement are specialty environmental operations with their own class codes, exposure profiles, and licensing. We build a single coordinated program (CPL + GL + workers' comp with the right abatement codes) that covers all your abatement work without gaps.

General liability and property do not cover mobile equipment at a jobsite. Mobile and specialty equipment is an inland marine coverage. We schedule excavators, frac tanks, HEPA vacuums, air monitors, negative-air machines, and confined-space gear at replacement cost so theft, overturn, and transit damage are covered wherever the equipment goes.

Often, yes. If you've had a pollution claim, a release, a cancellation, or been declined, we have excess-and-surplus (E&S) environmental markets for contractors other brokers won't touch. Bring your loss runs and we'll find a path.

Additional insured status extends your liability coverage (including pollution, where written) to the GC, refinery, developer, or government client for your operations. They require it — along with a waiver of subrogation and primary/non-contributory endorsement — so that if a claim arises from your work, your policy responds first. We issue these endorsements routinely, often with the pollution extension attached.

GL is usually rated on payroll or subcontractor cost; CPL on contract revenue, project type, and limits; workers' comp on payroll by abatement class code; professional on fees; mobile equipment on scheduled value; auto on vehicles, drivers, and hazmat hauling. We document your operation accurately so you're rated on real exposure, not a worst-case guess.

Environmental remediation is a pollution-exposure business that generic small-business carriers routinely exclude, deny, or misprice. A specialty broker knows the abatement class codes, the markets that write CPL, how to coordinate GL with the pollution exclusion, and how to manage a pollution or hazmat claim — which means real coverage at a fairer price.