Legends Environmental Insurance Services, LLC./CPL

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Contractors Pollution Occurrence (CPO) Overview:

Contractors Pollution Occurrence (CPO) protects contractors against claims
for third-party bodily injury, property damage or environmental damage arising
from pollution conditions caused in the performance of covered operations.
The coverage applies to sudden and gradual pollution events and responds to
cleanup costs, both on and off the work site. CPO provides coverage for events
arising from the performance of covered operations by the insured or subcontractors,
claims alleging improper supervision of subcontractors against the insured, and
coverage for claims arising out of environmental work performed by the insured
or subcontractor.CPO is available on a claims-made basis as
Contractors Pollution Liability (CPL).

Customer profile:

General Contractors
Construction Managers
Street and Road Contractors
Maintenance Contractors
Electrical Contractors
Mechanical Contractors
Demolition Contractors
Environmental Contractors
Aboveground and Underground Storage Tank Contractors
Site Restoration and Cleanup Contractors
Response Action/Emergency Spill Response Contractors
Transformer/PCB Contractors
Trade Contractors
HVAC Contractors
Industrial Contractors

Benefits:

AIG offers the pollution coverage to contractors that most standard general liability
programs specifically exclude. We provides broad environmental coverage as
opposed to the limited give backs or no coverage afforded by CGL programs.
Government agencies have varying standards concerning contractors' environmental
liability in remediation work. AIG's experience with government agencies provides
guidance through the unique liability requirements of each agency. The occurrence
coverage will separate the contractors from their competitors to successfully
negotiate and win contracts with these governmental agencies. The CPO policy
provides protection against third-party action over claims to include coverage for
liability assumed by the named insured under an insured contract. This enhancement
protects the insured against pollution-related damages arising out of contractual
liabilities excluded under the insured's Commercial General Liability policy.

Features:

Contractors Pollution Occurrence (CPO) provides coverage for bodily injury,
property damage and environmental damage arising out of the named insured's
covered operations. The CPO policy is written on an occurrence basis and can
be written on a claims-made basis. Coverage protects all construction activities
of the named insured, a listing of operations is no longer required. Covers both
on- and off-site cleanup costs arising from sudden and gradual pollution conditions.
Covers completed operations. Blanket or project-specific coverage is available.
The definition of bodily injury does not exclude mental anguish. Project specific,
contractor controlled and wrap-up coverages for:long-term Superfund or other
remedial/construction projectsinfrastructure construction projectssingle- or
multiple-site projectsBrownfield projectsland-based or marine projects Increased
limits are available to meet contract requirements for specific projects. Provides full
coverage for work performed on Superfund sites. Legal defense costs are included
in the limits. Coverage for claims alleging improper supervision or lack of supervision
of qualified subcontractors. Liability coverage for the named insured that is assumed
by contract with their client for subcontracted operations. Contractual liability coverage
is provided for contracts insureds enter into with their clients. Natural resource damages
are defined and covered in the definition of property damage. Multi-year policies are
available. Supplemental Environmental Automobile Liability® (SEAL®) Endorsement.

Companion products:

Asbestos/Lead Liability Insurance Products:
Contractors Abatement Liability Insurance
Abatement Umbrella

Submission Requirements:

CPO application
For projects, please include the following: job specifications, background
engineering and product description

Products Minimum/Maximum

LIMIT IN THE AGGREGATE $1,000,000.00
MINIMUM PREMIUM $3,000*
MINIMUM DEDUCTIBLE $2,500 on the GL and $10,000 on the CPL for Mold*
LIMIT PER OCCURRENCE $1,000,000.00
LIMIT PER CLAIM $1,000,000.00

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