Remediation contractor insurance that covers pollution, cleanup costs, and the whole program.

CPL covers the release of pollutants during remediation work — including third-party bodily injury from contamination, cleanup costs, and regulatory defense costs. Standard GL policies contain an absolute pollution exclusion that eliminates coverage for most remediation claims. CPL fills that gap and is the essential coverage for any contractor doing soil cleanup, UST removal, hazmat work, or brownfield remediation.

Almost never. Standard GL contains an absolute pollution exclusion that removes coverage for the discharge, dispersal, or migration of pollutants. A contamination claim on a remediation project is almost always excluded under GL. Contractor pollution liability is what covers that exposure.

Sudden coverage pays for abrupt pollutant releases (a spill, a tank rupture). Gradual coverage pays for slow releases like contamination migration or NAPL plume expansion. Some CPL forms cover sudden only — which is inadequate for most remediation work where gradual migration is common. We place forms that cover both.

On a claims-made CPL policy, the retroactive date determines how far back in time a covered pollution incident can have occurred. If your retroactive date is too recent, prior remediation projects are uninsured. We place CPL with a retroactive date that matches your operation's history — or OEAP coverage to protect prior completed projects.

Owners and Environmental Contractors Protective (OEAP) coverage protects property owners, project owners, and PRPs from claims arising from a contractor's remediation work. Many Superfund and government contracts require OEAP. We place OEAP as an endorsement or separate policy depending on the project requirement.

CERCLA (the Comprehensive Environmental Response, Compensation, and Liability Act) governs Superfund site cleanup. Contractors working on Superfund NCP projects face cost-recovery liability from PRPs and regulatory scrutiny. CPL with adequate limits, professional liability, and umbrella coverage are all critical for contractors on CERCLA projects.

Yes. When you provide a remediation plan, Phase II assessment, pump-and-treat design, or site closure recommendation, you have professional liability exposure. If a RAP design error delays closure, missed contamination during Phase II creates additional liability, or a P&T system underperforms, professional liability (E&O) covers those claims.

ASTM E1527 (Phase I ESA) and E1903 (Phase II ESA) are the standard protocols for site assessments. Errors in following these standards — missed recognized environmental conditions (RECs), inadequate sampling — can create professional liability claims. Professional liability covers defense costs and damages from those errors.

Class code 8868 (Environmental Remediation) is the primary code for workers conducting soil cleanup, hazmat work, UST removal, and similar activities. Additional codes may apply for field supervisors, equipment operators, and office staff. Correct classification matters — wrong codes mean premium errors and coverage gaps at claim time.

Yes — workers' compensation covers on-the-job injuries regardless of HAZWOPER status. However, the OSHA 29 CFR 1910.120 HAZWOPER training requirement is relevant to underwriting. Carriers want to see documented HAZWOPER training for Level A/B/C/D PPE workers. Proper documentation supports coverage and pricing.

Vacuum trucks, work trucks, equipment trailers, and any vehicle used on public roads. Vehicles used for hauling contaminated material, transporting sampling equipment, or pulling equipment trailers need commercial auto. If your trucks transport regulated materials, DOT placard requirements and possibly MCS-90 endorsements apply.

If your drivers transport HAZMAT quantities that require DOT placarding under 49 CFR, they need a Commercial Driver's License (CDL) with a HazMat endorsement. The commercial auto policy should reflect the hazmat exposure. We structure auto coverage to match your actual DOT and HAZMAT transport requirements.

Performance bonds and payment bonds for Superfund NCP and government environmental remediation contracts. License bonds for state contractor licensing requirements. Financial assurance bonds required by regulatory agencies for site closure or remedial action completion. We place all of these through surety markets experienced with environmental contractor risk.

It depends on your project types and contract requirements. Superfund NCP projects typically require $1M-$5M per occurrence CPL with an umbrella above. Government contracts may require specific combined limits. We size the limit to your actual contract requirements and model your realistic worst-case exposure.

A LUST is a leaking underground storage tank — one of the most common sources of contamination for UST removal contractors. When you remove a UST and encounter contamination, the CPL policy covers cleanup costs, third-party claims, and regulatory defense. Having the right retroactive date is critical for LUST work.

Often yes. We have admitted and excess-and-surplus (E&S) environmental markets for contractors declined over prior contamination losses, regulatory actions, or high-hazard project types. Bring us what you have and we'll find a path.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for remediation contractors in every state — Texas, California, the Northeast, Midwest, Mountain States, and everywhere environmental remediation contractors operate.

Typically 15 minutes on a call. For larger programs or complex operations with Superfund exposure we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Usually yes. Bundling CPL, GL, professional liability, workers' comp, commercial auto, and umbrella into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers. It also simplifies certificate issuance for project owners and PRPs.