Demolition Contractor Insurance

Insurance for Demolition Contractors

Demolition is a high-hazard trade with a built-in pollution problem: the structures you demolish contain asbestos, lead paint, PCBs, mold, and other regulated materials, and the work generates dust and debris that travel. Standard GL covers some of the operational risk but excludes the pollution — which on a demo job is unavoidable. Demolition contractor insurance combines both.

The Exposures

• Structural collapse and adjacent-property damage
• Dust and debris migration to neighboring properties and the public
• Asbestos, lead, and PCB release from the materials inside the structure
• Contaminated debris handling and disposal
• Bodily injury to workers, the public, and occupants of nearby buildings
• Underground hazards — tanks, utilities, and buried contamination

Coverage Structure

• Commercial general liability for the structural and operational exposures
• Contractors Pollution Liability (CPL) for dust, debris, and hazardous-material release
• Completed operations for post-job claims
• Transport and disposal for contaminated debris
• Equipment and tools coverage as needed

Contracts, Owners, and Municipalities

Demolition contracts and permits routinely require specific liability and pollution limits and additional insured status for owners and municipalities. We issue the certificates and endorsements your permits and contracts require so your projects stay on schedule.

Placed for a High-Hazard Class

Demolition is a tough class that many carriers limit or decline, especially with abatement scope attached. We place your program with markets that write demolition and its pollution exposure together — so the building, the debris, and the hazards inside are all covered.