Professional and Contractor's Pollution Legal Liability (Environmental) - North America

XL Group offers protection to general contractors, trade contractors and construction managers well beyond their traditional jobsite exposures. We also cover losses due to claims resulting from acts, errors or omissions in covered professional services.

To learn more, please visit Environmental Insurance

Product Availability

(Coverage provided for worldwide exposure)

  • Product details
    Product details

    Capacity

    Pollution:
    Claims-made: USD 50 million 
    Occurrence: USD 25 million

    Professional:
    Claims-made: USD 25 million

    Coverage

    – Claims-made and reported basis or pollution coverage on an occurrence basis
    – Liability due to acts, errors and omissions arising from services performed by or on behalf of the insured
    – Liability for pollution conditions arising from services rendered by or on behalf of the insured
    – Pollution
       - Jobsite
       - Emergency remediation expense
       - Named insured location
       - Transportation
       - Non-owned disposal sites
    – Professional
       - Professional liability: provides coverage for acts, errors or omissions in covered professional services
       - Mitigation expense: gives the insured the ability to correct project issues right away, helping minimize or eliminate third-party claims and costly litigation
       - Protective loss: indemnity for protective loss, in excess of the design professional’s (DP) insurance, resulting from a negligent act, error or omission in DP services

    Client Profiles

    Construction:
    – General contractors
    – Construction managers
    – Specialty trade contractors

    Environmental: 
    – Environmental contractors
    – Environmental consultants
    – Environmental laboratories

    Typical Information Required

    XL Group environmental and professional applications (any pollution/professional application can be used for quotes)
    – Three years currently valued loss runs for lines of coverage requested; if no prior coverage, three years currently valued general liability loss runs
    – Two years audited financial statements

    Benefits & Services

    – Integrated underwriting, risk consulting and claims handling
    – Staff with an average of 15+ years environmental/insurance experience 
    – Global solutions for multinational accounts
    – Specialized in-house risk control consultants and claims handling
    – Emergency response services available 24/7 for North America
    – 25+ years in specialized environmental insurance market

    Information & Research

    – Find Out More About Environmental – Applications – Policy Forms – Industry Solutions – Risk Services

    Limits On Product

    <strong>Pollution</strong><br />- <u>Claims-made</u>: USD 50 million <br />- <u>Occurrence</u>: USD 25 million <br /><br><strong>Professional</strong><br />- <u>Claims-made</u>: USD 25 million<br />

    Minimum Deductible

    USD 5,000

    Minimum Premium

    USD 10,000

Downloads

North America

Industries

Disclaimer
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, XL GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda are only available through non US-based brokers. The Insurance companies of XL Group plc are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Insurance Company of New York Inc., XL Insurance (Bermuda) Ltd, XL Insurance Company Limited, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Insurance Argentina SA Compañia de Seguros and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #1209 are managed by XL London Market Ltd and supported by XL corporate members at Lloyd’s. Additional important information regarding our business is provided on our Legal Notices page.

Expert Profile

  • Mary Ann Susavidge With 24 years of combined experience in environmental insurance and engineering consulting, Mary Ann is well qualified to tackle environ ... View profile
  • Simon White Simon has 14 years of environmental insurance experience in Europe, Africa and South America. As environmental manager for XL Group's in ... View profile
  • Matt O'Malley With nearly 20 years of insurance industry experience, Matt leads a team devoted to helping our clients recover from pollution incidents ... View profile

Contacts

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Specialty

Professional and Contractor's Pollution Legal Liability (Environmental) - North America

XL Group offers protection to general contractors, trade contractors and construction managers well beyond their traditional jobsite exposures. We also cover losses due to claims resulting from acts, errors or omissions in covered professional services.

To learn more, please visit Environmental Insurance

Product Availability

(Coverage provided for worldwide exposure)

  • Product details
    Product details

    Capacity

    Pollution:
    Claims-made: USD 50 million 
    Occurrence: USD 25 million

    Professional:
    Claims-made: USD 25 million

    Coverage

    – Claims-made and reported basis or pollution coverage on an occurrence basis
    – Liability due to acts, errors and omissions arising from services performed by or on behalf of the insured
    – Liability for pollution conditions arising from services rendered by or on behalf of the insured
    – Pollution
       - Jobsite
       - Emergency remediation expense
       - Named insured location
       - Transportation
       - Non-owned disposal sites
    – Professional
       - Professional liability: provides coverage for acts, errors or omissions in covered professional services
       - Mitigation expense: gives the insured the ability to correct project issues right away, helping minimize or eliminate third-party claims and costly litigation
       - Protective loss: indemnity for protective loss, in excess of the design professional’s (DP) insurance, resulting from a negligent act, error or omission in DP services

    Client Profiles

    Construction:
    – General contractors
    – Construction managers
    – Specialty trade contractors

    Environmental: 
    – Environmental contractors
    – Environmental consultants
    – Environmental laboratories

    Typical Information Required

    XL Group environmental and professional applications (any pollution/professional application can be used for quotes)
    – Three years currently valued loss runs for lines of coverage requested; if no prior coverage, three years currently valued general liability loss runs
    – Two years audited financial statements

    Benefits & Services

    – Integrated underwriting, risk consulting and claims handling
    – Staff with an average of 15+ years environmental/insurance experience 
    – Global solutions for multinational accounts
    – Specialized in-house risk control consultants and claims handling
    – Emergency response services available 24/7 for North America
    – 25+ years in specialized environmental insurance market

    Information & Research

    – Find Out More About Environmental – Applications – Policy Forms – Industry Solutions – Risk Services

    Limits On Product

    Pollution
    - Claims-made: USD 50 million
    - Occurrence: USD 25 million

    Professional
    - Claims-made: USD 25 million

    Minimum Deductible

    USD 5,000

    Minimum Premium

    USD 10,000

Downloads

Industries

Contacts

Expert Profile

  • Mary Ann Susavidge With 24 years of combined experience in environmental insurance and engineering consulting, Mary Ann is well qualified to tackle environm... View profile
  • Matt O'Malley With nearly 20 years of insurance industry experience, Matt leads a team devoted to helping our clients recover from pollution incidents ... View profile
  • Simon White Simon has 14 years of environmental insurance experience in Europe, Africa and South America. As environmental manager for XL Group's int... View profile

Disclaimer
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, XL GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda are only available through non US-based brokers. The Insurance companies of XL Group plc are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Insurance Company of New York Inc., XL Insurance (Bermuda) Ltd, XL Insurance Company Limited, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Insurance Argentina SA Compañia de Seguros and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #1209 are managed by XL London Market Ltd and supported by XL corporate members at Lloyd’s. Additional important information regarding our business is provided on our Legal Notices page.