Environmental and Pollution Liability
Pollution is excluded from most general and professional liability policies. Environmental coverage fills that gap for firms whose work touches soil, water, air quality, mold or hazardous materials.
For consultants it is usually a combined professional and pollution policy. For firms that work in the field, contractors pollution liability is added.
What It Is Built For
Missed contamination
A site assessment or survey that missed a condition later found by someone else.
Spreading contamination
Drilling, sampling or remediation that moves pollution to a new place.
Mold and indoor air
Moisture and air quality claims, which standard policies often exclude outright.
Cleanup costs
Costs to clean up a pollution condition your work caused, subject to the policy terms.
Environmental Liability: Common Questions
Does my general liability policy cover pollution?
Usually not, apart from narrow exceptions. Assume you need separate coverage if your work involves contamination, mold or hazardous materials.
Do design firms need pollution coverage?
Firms that design remediation, stormwater, wastewater or industrial work often do. It depends on your services and your contracts.
Are regulatory fines covered?
Generally not. Defense of the underlying claim may be.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.