There’s a lot your general liability policy will cover, but one thing it won’t cover is the bodily injury or property damage due to the release of a pollutant. Pollution Liability coverage can fill the gap, protecting third parties from things like smoke, fumes, toxic chemicals, mold matter, and more. Coverage can also cover cleanup and defense costs, but only if you work with an insurance provider that understands your needs.
DJM Insurance has worked with a wide variety of businesses, which includes contractors of all kinds, to customize reliable policies from over 12 A+ rated carriers.
Most importantly, we take the time to get to know your business so we can recommend the right policies and the right features without selling you something you don’t need. Then, we make sure you understand exactly what your plan entails, answering all of your questions throughout the lifetime of your policy.
Why choose DJM for Pollution Liability Insurance?
Environmental considerations are important to businesses and their customers. When you partner with DJM Insurance, you can show your clients that you take environmental concerns seriously by offering Pollution Liability Insurance, but a policy is only as good as the company that offers it. DJM stands apart from other insurance companies, not only because we offer outstanding policy options from dozens of industry providers, but also because we offer:
- Free and Competitive Quotes
- A 100% Customer Satisfaction Guarantee
- Personalized Service
- Over 20 Years of Experience
Everything you need to know
Have questions about Pollution Liability insurance?
Pollution Liability Insurance is relatively new, and it isn’t something that every job needs or requires. How do you know if it’s something you need? Check out our FAQs below. Then, give us a call and we’ll help you understand the ins and outs of this type of insurance policy.
Pollution Liability Insurance is a special policy that can fill in the gap that is left in many general liability policies. It protects businesses from unexpected pollution exposures, contaminated sites, and it can help cover the costs of property damage, bodily injury, and cleanup.
Yes! The two terms are used interchangeably. It is also sometimes referred as Pollution Coverage or simply Pollution Insurance.
Pollution exposure risks are first assessed to determine if a policy is needed, and if so, how much it should be and what it should cover. If hazardous waste emissions are present during the construction process, a policy can cover bodily injury to those on-site, as well as property damage and cleanup costs.
It is important to note that it does not cover intentional acts by the contractor. Only environmental impacts that were mistakenly made can be covered.
As is the case with most insurance policies, cost depends on a variety of factors. In this case, things like how the building is being constructed, existing pollution issues, and the job history of the contractor are just a few things that are taken into consideration. Premiums can start at $2,500, but limits can go up to $100,000,000, depending on the project and programs being used. Contractors pay a percentage of the premium amount. Talk to a DJM representative to get an exact estimate.
A Pollution Liability Policy covers:
- The contractor in case of things like gas leaks, unintentional hazardous material release, and more
- The environment, if cleanup is needed
How can we help you?
Let’s talk about your insurance needs. Connect with our team of experts to answer any questions and find the insurance that is right for you.