Environmental Contractors

Environmental contractors face many exposures from their daily operations. Faulty workmanship, operational exposures, transportation liability and improper waste handling can all lead to environmental claims.  
The standard General Liability form excludes Pollution, and as such, it is important for environmental contractors to purchase Pollution Liability.  A pollutant is defined as any solid, liquid, gaseous, or thermal irritant or contaminant.  At ALTA, we can offer many combinations of coverage to address nearly every pollution concern of environmental contractors and consultants.
ALTA Risk’s environmental insurance products protect policyholders from bodily injury, property damage, clean-up expenses, and other costs associated with the release of contaminants into the environment. Our environmental coverage solutions are tailor-made for a wide range of companies with operational and service pollution exposures, including environmental contractors, restoration contractors, alternative energy contractors, environmental consultants, and environmental transportation risks.
Through our A.M. Best A- XI rated carrier, we offer coverage solutions for various operations, including the following:
  • Abatement Contractors
  • Tank Contractors
  • Bioremediation Contractors
  • Wastewater Contractors
  • Soil/Groundwater Remediation
  • Emergency Spill Response
  • Erosion Control
  • Environmental Drilling
  • Debris and Waste Removal
  • Lab Packing
  • Landfill Construction
  • Liquid Waste Removal
  • Crime Scene Cleanup
  • Radon Mitigation
  • Recycling Operations
  • Industrial Cleaning/Maintenance
  • Wetlands Contractors
  • Industrial Cleaning Contractors
  • Fire and Water Restoration Contractors
  • Contractors Pollution Coverage for Trade Contractors

Environmental Contractors Products of Interest

Contractors General Liability, Pollution Liability & Professional Liability (CGL/CPL/PL)

Our signature package product is designed for contractors with at least 50% of their revenue derived from environmental operations.  The package provides General Liability, Contractors Pollution Liability, and Professional Liability.

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Contractors Pollution Liability (CPL)

Our Contractors Pollution Liability Coverage is designed to protect insureds from damages caused by Pollution Conditions arising from the insured’s operations.

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Contractors Pollution and Professional Liability (CPL/PL)

The combined Contractors Pollution and Professional Liability form is designed for trade contractors with limited professional liability coverage.

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Transportation Pollution Liability (TPL)

Our Transportation Pollution Liability form is designed to insure pollution liability associated with environmental trucking and hauling risks.

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Follow Form Excess

Our follow form excess product sits over our underlying GL, CPL, and PL package policies and ALTA can write over another carrier’s Auto and Employers Liability.

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What to Know About Endorsements and Exclusions

In addition to writing the CGL and CPL lines, some contractors may have other exposures that can be addressed by adding endorsements. Learn more about available endorsements by clicking on our product pages.

Claims Scenario

An environmental driller was boring holes while taking soil samples of a property when they accidentally damaged some underground utilities. A wastewater pipe burst and leaked into the surrounding soil requiring the contractor to remove the contaminated soil. The total cost of the spill, excavation, and repairs totaled over $250,000 in defense and damages.

Recent Success

We recently worked on an account for a $1.3M abatement contractor needing GL/CPL/E&O and a $2M Excess policy. We helped our agent win the account by providing a full coverage review of our quotes versus the expiring program. The coverage offered a competitive premium and broader coverage for the insured compared to the expiring program. Additionally, we provided a reduced revenue quote option for the insured before binding based on the instability of the insured’s projected revenue due to the COVID-19 pandemic. By offering a flexible solution and tools to compare and sell the coverage, ALTA helped the agent bind the account. As a result, the insured secured an insurance program designed to fit their needs. The total premium was $11,300.

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