Hammer and wrench
Contractors Pollution Liability

Engineer controlling water quality

With the number and complexity of environmental regulations on the rise, contractors need specialized insurance policies to protect their businesses. One solution is Liberty’s Contractors Pollution Liability policy — an Environmental Impairment Liability (EIL) policy that provides coverage to insured contractors for claims stemming from pollution conditions caused by their covered operations.

Target classes

  • Concrete/masonry
  • Electrical
  • Environmental contracting
  • Excavation/grading
  • Fire and water restoration contracting
  • General contracting/construction
  • HVAC/insulation
  • Industrial maintenance
  • Landscaping
  • Mechanical contractors
  • Painting
  • Plumbing
  • Storage tank contracting
  • Street and road contracting
  • Water treatment operators

Generally excluded from appetite

  • Contractors whose sole operation is geotechnical works
  • Abatement contractors who do more than 30% mold/asbestos abatement works
  • Contractors that work primarily on the following:
    • Crude oil pipelines
    • Aerial spraying
    • Fracking/well stimulation
    • Start up business with less than 3 years of operational experience

Policy highlights

  • $5,000 minimum deductible and premium
  • Multi-year policy terms are available for project-specific policies
  • Coverage available on a claims made or occurrence basis
  • Covers both sudden and gradual events
  • No exclusions for asbestos or lead-based paint
  • Owner controlled or contractor controlled coverage available
  • Additional insured status for the Named Insured’s clients when required by written contract
  • No sublimit on mitigation expense (i.e Emergency Response Costs)
  • Available on a primary or excess basis


$25 million

The Liberty difference

  • Fast responsive service from in-house EIL underwriters in Toronto, New York, Boston, Denver, San Francisco, London, Madrid, and Sydney
  • Successful ten-year track record writing EIL policies
  • Consistent, thorough underwriting approach enabling our team to address complex environmental liabilities
  • Straightforward EIL application form

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team