Environmental Contractor Insurance (CPL + GL)
A combined program that pairs Contractors Pollution Liability with environmental general liability — the complete foundation an environmental contractor needs, in one coordinated package instead of two policies with a gap between them.
The Complete Environmental Contractor Package
Most environmental contractors don't need a single policy — they need a *program*. Your work creates both ordinary jobsite liability (a worker hurt, property damaged) and pollution liability (a release, a cleanup, a toxic-tort suit). A standard GL covers the first and excludes the second; a pollution policy alone leaves ordinary liability open. Environmental contractor insurance combines them so there's no gap where the two meet.
What the Combined Program Includes
- Contractors Pollution Liability (CPL) — third-party injury, property damage, and cleanup from pollution conditions your work creates
- Environmental / contractors general liability — the everyday jobsite bodily injury and property damage
- Completed operations — claims that surface after a job closes
- Products / completed work pollution exposure
- Defense costs for both ordinary and pollution claims
- Additional insured & waivers for owners, GCs, and lenders
Why Combine Them
Buying CPL and GL separately — often from different carriers — creates seams: which policy responds, whose retro date applies, who defends a claim that's part injury and part pollution. A combined CPL + GL program written by one environmental carrier closes those seams, simplifies your certificates, and usually prices better than two standalone policies.
Sized to Your Operation
Whether you're a one-crew abatement shop or a multi-trade environmental firm running remediation, demolition, and transport, we scale the combined program to your operations, payroll, and the contracts you bid — and add transportation, site pollution, or professional coverage as your scope requires.
Placed With Environmental Markets
We place the combined program with carriers that write environmental contractors as a class — so your GL and your pollution coverage come from a market that understands the work, not a generalist that will exclude your core operations.
What's Covered
Frequently Asked Questions
Combined is usually better. Separate policies — often from different carriers — create seams over which policy responds and who defends a mixed injury-and-pollution claim. A combined CPL + GL program from one environmental carrier closes those gaps and typically prices better.
At its core, Contractors Pollution Liability plus environmental general liability, with completed operations and defense for both. We scale it to your trade and add transportation, site pollution, or professional E&O as your operations require.