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As of today, there are 2 dozen carriers offering some type of environmental or pollution coverage. The most common coverages offered are Contractor’s Pollution Liability (CPL) and Pollution Legal Liability (PLL). If you factor in several policy forms each carrier uses—as well as the slew of additional forms and endorsements attached to each policy—the number of combinations and resulting coverage offerings is astronomical.
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When working on a construction site, it’s important to have the proper coverage. Over the past few decades, protections under many policies have changed. For example, before the 1980’s, Pollution Liability was covered under most standard General Liability policies.
At the time, General Liability policies protected an insured from a variety of claims, including bodily injury, property damage, personal injury, and other exposures that may arise from business operations. Today, most General Liability policies have a limited definition of coverage regarding pollution, or there is an exclusion on the policy when it comes to contaminants or pollutants arising from business operations.
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Pollution Legal Liability (PLL) insurance helps cover the environmental risks associated with owning, developing or operating a facility or site. If your construction company hasn’t looked into PLL for on and off-site coverage, here are some signs that it may be time to reconsider.
