Do you work with water, heating and cooling systems, or any water-containing source that may lead to the spread of the water droplets that contain disease? Do you haul solid goods that could release pollutants, such as construction debris or treated lumber? Do you own heavy equipment that you refuel at your job site? Do you transport or have a third party transport your heavy equipment?

If the answer is yes to any of these questions, consider getting liability coverage.

Any contractor can purchase this coverage, which will help them fill the coverage gap left by their Commercial General Liability pollution exclusion. Some examples of contractors needing this coverage include Heating and Cooling Contractors, Electrical Contractors, Mechanical Contractors, Plumbing Contractors, Pipeline Contractors, Abatement Contractors, Environmental Remediation Contractors, Street and Road Contractors, and General Contractors, just to name a few. 

You can purchase the Contractor’s Pollution Liability Policy on a project basis or blanket basis. A blanket pollution policy provides coverage on an annual basis for covered operations during the policy period, while project policies provide coverage for the contractor during the construction project period.

Businesses that fall into the following categories (plus quite a few more) are prime examples of an operation that would benefit from purchasing Business Owner’s Insurance: hair salons, insurance agencies, law offices, dental offices, medical offices, auto service repair, small contractors, machine shops, retailers and light manufacturers.