Designed to protect your unique risks
Did you know that nearly every construction or commercial type of business may have at least one environmental liability exposure? Pollution liability incidents may be infrequent, but when they do happen, they are often large, expensive and complicated. General liability coverage is written for just that, general liabilities, and even with pollution coverage broadening endorsements, it does not address all the unique characteristics of pollution exposures involving owned or operated locations or construction job sites. Pollution exposures could include incidents such as a discharge of pollutants brought to the worksite, or release of pre-existing pollutants at the site, among many others, which can happen suddenly or gradually over time.
Another significant challenge faced by contractors is identifying and managing risks when the design and engineering responsibilities are shared and split among multiple project participants. As the lines of responsibility between design firms and contractors merge, contractors can assume nontraditional risks that their core insurance coverages may not address. Contractors professional liability coverage can help meet this challenge.
Travelers Environmental and Contractors Professional Practice Insurance works with customers to help prevent potential gaps in coverage that a general liability policy may not cover. And if faced with a covered loss, Travelers contractors professional liability insurance is there to resolve claims with the experience and resources that deliver prompt results for your business.
What is environmental and contractors professional liability insurance?
A Travelers ECP CustomSM Environmental and Contractors Professional Liability policy protects against environmental and contractors’ professional business exposures. It’s designed to work hand-in-hand with a Travelers Commercial General Liability policy to help address coverage gaps. Such gaps can often result when the insured has a mix of policies from different insurers. Using a modular approach, Travelers ECP Custom allows you to supplement your general liability policy and reduce gaps by adding environmental liability coverage and contractors professional liability coverage for some of the unique risks facing your business. For example, you can add:
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Travelers ECP Custom Contractors Pollution Liability (CPL) insurance that provides coverage for bodily injury, property damage and pollution cleanup costs as a result of pollution conditions from covered operations.
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Travelers ECP Custom Contractors Professional Liability insurance that provides coverage for bodily injury, property damage and economic loss resulting from liability for faulty design, construction management and other contractor professional services provided by or on behalf of the named insured.
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Travelers ECP Custom Site Pollution Liability (SPL) insurance that provides coverage for bodily injury, property damage and pollution cleanup costs from pollution conditions that occur at or from a designated site.
These core coverages can easily be enhanced with additional options to address your company’s unique risks.
Travelers ECP Custom Environmental and Contractors Professional Liability policy* is available exclusively to Travelers contractor and mid-sized business Commercial General Liability customers.
What does this insurance cover?
Travelers ECP Custom core coverages include:
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Contractors Professional Liability
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Contractors Pollution Liability
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Site Pollution Liability
Core coverages can easily be enhanced with any of the following:
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Contractors Indemnity for Design Professional's Liability
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Contractors Indemnity for Subcontractor's Pollution Liability
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Contractors Professional Liability Loss Mitigation Expenses
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Contractors Pollution Loss Mitigation Expenses
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Non-Owned Disposal Site Pollution Legal Liability
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Contractors Asbestos Pollution Liability
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Crisis Management Services Expenses for Pollution Liability
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Supplemental Coverages Endorsement:
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Disciplinary Proceedings Defense Expenses
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Subpoena Response Expenses
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ADA and FHA Proceedings Defense Expenses
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Bankruptcy Claim Litigation Expenses for Contractors Indemnity for Design Professional’s Liability
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Who is this insurance right for?
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Clean technology installation
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Medical technology
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Manufacturing
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Printers and publishers
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Warehouse
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Wind/solar
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Contractors:
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Bridge
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Concrete/masonry
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Electrical
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Excavation
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Fire sprinkler
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General contractors
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HVAC
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Highway, street and road
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Mechanical
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Do you need environmental and contractors professional liability insurance?
Businesses face new and historical environmental exposures that can damage property and company reputations. Some are visible, like the chemicals used in a manufacturing process, and some are hidden, like the leakage from tanks that can contaminate a property. They can be sudden or gradually occur over time. No business today can risk being inadequately protected against such environmental pollution threats.
Additionally, designing and building a structure is a complicated process involving many parties, including architects, designers, engineers, building contractors and other building specialists. Contractors Professional Liability insurance has become essential for those contractor businesses that engage in design or have multiple professionals involved in different aspects of the project.
Travelers' experienced team of environmental and contractors professional liability underwriters, Risk Control professionals and Claim specialists provide coverage tailored to the unique needs of businesses, such as contractors, manufacturers, laboratories, colleges and more.
Travelers keeps pace with changing federal and state regulations and are keenly focused on helping businesses and institutions protect against environmental exposures and the costly pollution cleanup costs and lawsuits they can generate.
*Coverage is provided on a surplus lines basis.
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