Street and road contractors often face adverse working conditions and may be forced to deal with harsh temperatures, inclement weather and long work hours. With so much going on at the job site, risks are bound to arise.
There is an intense pressure on highway contractors to meet deadlines for infrastructure repairs and construction on roadways and interstates across the nation. When everyone is in a hurry to complete the job, the risk of an error is increased. Any leak of a contaminant, no matter the reason, can cause risk of injury and illness to those on the jobsite as well as anyone exposed. Street and road contractors can be held liable in the event of such a pollution accident.
For many years, the insurance market had no solution for contractors faced with pollution liability risks. The standard commercial general liability (CGL) policy excludes coverage for pollution liability events for bodily injury or property damage to others. Without a specialized pollution liability insurance policy to cover these unique risks, contractors could potentially face millions of dollars in lawsuit damages should they be responsible for a pollution event causing bodily injury or property damage to others.
A pollution liability policy from C&S Specialty underwriters will not only pay for property damage and bodily injury but also pays for clean-up costs as well as defense costs if a contractor is sued for damage from pollutants including fungi, microbial matter and mold.
When you don’t know what risks the day holds—you need insurance protection you can rely on!
C&S Specialty Underwriters provides street and road contractors with revenues of $25 million or less with pollution liability coverage for bodily injury, property damage and clean-up costs. Policy limits are available up to $11 million per occurrence and $11 million aggregate. Deductibles or self-insured retentions begin at $1,000. Coverage is available in all states. Contact us to learn more about our insurance solutions.
