Chubb’s contractor pollution cover ensures your business is fully protected for operational exposure or for a complex project.
Our contractors pollution liability insurance covers the insured and their subcontractors while performing at a job site. It offers protection for gradual as well as sudden and accidental environmental liability arising from contracted work carried out at customers’ project sites.
RISK SCENARIOS
Who it’s for
Our contractors pollution liability insurance is for all kinds of contractors, organisations and projects:
Construction companies
Developers
Facilities management businesses
Drainage contractors
Environmental consultants and remediation contractors
Local authorities
Public private partnership projects
Brownfield redevelopment projects
Utilities
Large infrastructure projects
Any finance company or other business controlling a construction project
What it covers
How pollution liability insurance keeps your contracting business covered:
Indemnity for clean-up costs relating to third-party claims or where required by environmental law
Liability for biodiversity damage, including complementary and compensatory remediation costs
Mobilisation or exacerbation of a pre-existing (historical) pollution event
Write back for asbestos abatement work and inadvertent disturbance of asbestos and lead based paint.
Liability for third-party bodily injury, property damage, trespass, nuisance and obstruction
Damage to third-party property, including diminishment in value
Loss mitigation costs and emergency expenses incurred in dealing with the threat of pollution or environmental damage
CASE STUDY
1. A general civil contractor incident
On a housing development project a contractor was using a grader to level the site. During the course of the work the contractor spread soil contaminated with asbestos, heavy metals and polychlorinated biphenyls across the site and also onto neighboring properties.
Effect
The contractor was held responsible for exacerbation of pre-existing contamination and was ordered to compensate the client.
Cost
The total cost was in excess of £560,000
2. Utility installation incident
A contractor responsible for installing telecommunication services performed a site check for underground infrastructure prior to commencing work. The site check failed to detect a disused former fuel pipeline. Excavation hit the pipeline, which was partly pressurized.
Effect
Approximately 10,000L of fuel escaped from the pipe.
Cost
The contractor was responsible for the emergency response, removing contaminated soil and confirming that groundwater had not been impacted. The total cost was in excess of £1 million.
3. A commercial development incident
A contractor was responsible for a multi-billion pound waterside development project. Excavation uncovered a large amount of contaminated fill material beneath the project site. The material was tested for contamination and transported to a facility with the appropriate licence to accept the material.
Effect
After disposing of the waste for a number of weeks, the material was found to have higher concentrations than originally detected.
Cost
The local authority traced the waste back to the project site and claimed damages and remediation costs. The settlement was in excess of £5.5 million.
Why Chubb?
Why Chubb?
We understand pollution insurance – and we care about your business
Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in contractors pollution liability insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.
Partnership that’s personal We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.
Creative problem-solving Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.
Unmatched expertise and financial strength We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business.
