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Environmental Package

Scientist testing public water

Our Environmental Package combines Commercial General Liability (GL), Contractor’s Pollution Liability (CPL) and Professional Liability (E&O) coverage into one policy. The result is broad protection that reduces coverage gaps and simplifies your environmental insurance. With Liberty, you get the service you expect, with underwriters who possess the knowledge and authority to provide quick, accurate answers.

Target classes

Contractors involved with:

  • Emergency response
  • Hazardous material management
  • Industrial cleaning
  • Landfill construction
  • Mold remediation
  • Phase I, Phase II, Phase III contracting
  • Soil/groundwater remediation
  • Storage tank removal/installation
  • Wastewater treatment operators

Environmental professionals performing:

  • Air quality monitoring
  • Asbestos assessment, design and monitoring
  • Health and safety training
  • Phase I, Phase II, Phase III consulting
  • Regulatory compliance
  • Remediation project management
  • Sampling and testing
  • Waste brokering
  • Waste management and minimization
  • Waste disposal facility design

Generally excluded from appetite

  • Civil engineering firms whose services are non-environmentally related
  • Demolition contractors
  • 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

  • Broad coverage operations and professional definitions
  • Natural resource damages included in loss
  • Mitigation expense covered
  • 60 Days’ notice of cancellation
  • 90-Day automatic coverage for newly acquired or formed entities
  • Worldwide coverage
  • Civil fines, penalties, and assessments covered without sublimit
  • Punitive damages covered where allocated by law
  • No exclusions for asbestos or lead-based paint


$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