CapSpecialty services

Professional Liability can cover the named insured for errors and omissions in the rendering or failure to render professional services. Professional Liability policies can include pollution, or in some cases Contractors Pollution Liability (CPL), and are written on a claims made basis.

General liability insurance can protect against claims for bodily injury or property damage which result from occurrences on the insured"s premises, or involves operations of the insured conducted away from its premises or from an insured"s product. For example, when an insured is working on a client"s property and a covered accident occurs that leaves the property damaged, the policy would respond. This insurance is a business requirement for most environmental firms. The most relevant part for your profession is the pollution extension. Most carriers have specifically excluded pollution of all types. If your activities involve handling or working with pollutants (broadly defined), it is imperative that you have coverage that addresses your exposures.

Commercial Catastrophe Liability Form Which Can Provide Coverage Excess of: General Liability. Professional Liability. Pollution Liability. Automobile Liability. Employers Liability.

Program Highlights: Commercial General Liability (CGL) and/or Contractors Pollution Liability. (CPL) for risks primarily involved in water extraction, emergency response contracting, mold remediation and other similar categories. For contractors primarily involved in reconstruction/restoration work we can only consider Monoline Contractors Pollution Liability (no CGL) and will require proof of separate CGL with an A rated Carrier.

Pollution Liability Insurance covers exposure for unintentional pollution. For example, if an insured accidentally releases a pollutant (like an oil spill), there is a liability exposure.

Policy Highlights: Combined Occurrence Form General and Pollution Liability with a Claims Made Professional Liability Coverage Part. Or: Professional Liability with Optional Pollution (if insured has separate CGL coverage). Nose Coverage and Prior Acts Available . Defense costs can be in addition to or included in policy limits. First Dollar Defense Option.