Contractors and Pollution Liability Insurance for Massachusetts

What many contractors fail to realize is that they may be guilty of creating pollutants of which they are unaware, and that the fines involved can be devastating. Most general liability insurance policies exclude any type of pollution-related insurance claims so the only way you can get the coverage you need is through a pollution liability insurance policy in Massachusetts.

Pollution claims can stem from mold issues, soil contamination, chemical spills, pipeline ruptures, and even fuel leakage. Pollution claims are a unique challenge because, while some pollution incidents may be immediately apparent, most occur slowly and go undiscovered for a long period of time. As a contractor you may find that an uncovered pollution claim could potentially cost your company hundreds of thousands, if not millions of dollars.

Protection from potential claims of negligence

Pollution Liability or Environmental Liability Insurance provides coverage for pollution related claims for which you may have been deemed negligent. It can include coverage for operations that are performed by or even on behalf of the insured. A standard policy usually provides the coverage for operations away from the insured’s premises. Some policies will also provide coverage for temporary storage of contaminants on your property, as well as coverage for the unloading and loading of vehicles at jobsites, and even over-the-road pollution coverage.

What policy is right for me?

Each policy regarding pollution related claims are different. Each carrier has his or her own unique coverage inclusions and exclusions so it’s important that you work with an expert because a policy that works for one restoration contractor may not work at all for another.

Premiums vary wildly for restoration contractors as they are based heavily upon the type of operations the company performs. If you are interested in purchasing pollution liability insurance in Massachusetts, speak to a reputable agent in your area.


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