Contractors Pollution Liability Insurance (CPL)
Distinguished's Contractor's Pollution Liability Plus (CPL) protects against environmental liabilities that are not typically covered by a general liability policy.
Shield Your Contracting Business from Environmental Risks with CPL Insurance
The CPL policy protects against environmental liabilities not covered by general liability insurance. It covers clean-up costs, bodily injury, property damage, business interruption, and legal expenses from pollution or indoor contaminant incidents caused by contracting services or completed operations.
Why Choose Distinguished for Environmental Insurance Coverage?
Distinguished's Environmental and Construction Professional team of underwriters, engineers, geologists, environmental scientists, and insurance professionals have over 300 years of combined environmental, construction, and insurance-related experience to provide solutions tailored to protect your business from its unique environmental and professional exposures. Using a customer-focused approach and state-of-the-art systems enables us to provide a full suite of products to provide coverage for fixed facilities, contracting services, and professional liability with both primary and excess capabilities.
In-house underwriting for quick turnaround
24/7 Emergency Response Support
Become a
Distinguished Broker
You're just a few clicks away from becoming a Distinguished Broker Partner. It's easy with our online registration.
Get Started
- Register your agency if not already registered
- Download the Contractors Pollution and Professional Liability Application
- Complete and submit to Douglas Stepenosky, via email: dstepenosky@distinguished.com
CPL Insurance Coverage Highlights:
- Occurrence pollution coverage for third-party claims
- The first-party trigger for pollution discovered by the Insured
- Coverage for clean-up costs incurred on an emergency basis
- Coverage for mold and legionella
- Indemnity coverage for pollution protective loss arising from a pollution condition or indoor contaminant condition resulting from subcontracted contracting services
- Business interruption coverage at owned locations and contingent business interruption coverage at job sites
- Facility coverage for owned locations and equipment yards
- Occurrence of the non-owned disposal site and transportation coverages
- Coverage for Bankruptcy Litigation Expenses, Disaster Management Costs, Subpoena Expenses, and Litigation Expense Credit towards SIR for the use of approved mediation
- Additional legal costs provided outside the limit
- Target classes include (but not limited to) general contractors, environmental contractors, street and road contractors, plumbers, electrical contractors, and other trade contractors.
- Worldwide indemnity coverage available for international exposures
- Contractors Pollution Liability Insurance Coverage provided by SiriusPoint
CPL Insurance Coverage Capacity:
- Limits of liability up to $25M/$25M
- Policy terms up to three (3) years
- Project policies up to seventeen (17) years in total coverage (five-year term plus completed operations per state-specific statutes up to twelve years)
- Minimum premium of $5,000 for an annual policy
To get more information about our contractors pollution liability insurance coverage, submit business or communicate with an underwriter, contact our team via email: dstepenosky@distinguished.com
Distinguished Claims Motto:
"Supporting our Insureds every step of the way from claim to resolution."
Claims Philosophy:
At Distinguished, we prioritize our Insureds' needs and provide prompt attention to every claim submitted. Our in-house Claims Team of experienced attorneys is dedicated to addressing environmental, construction, and professional-related claims efficiently and effectively.
Emergency Response:
We partner with Cura to offer 24/7 emergency response services nationwide. Cura handles spill response management, regulatory notifications, waste disposal, and reporting for our Insureds.
Claims/Underwriting Collaboration:
Our Claims Team works closely with underwriters to understand our products and policies and bring real-time insights on emerging risks to help meet our Insureds' changing needs.
Claims Contact:
environmentalclaims@distinguished.com
(844) 388-4040
Distinguished Environmental and Construction Professional Claims Team
Our in-house Claims Team comprises attorneys with nearly 50 years of combined experience handling environmental, construction, and construction professional-related claims. We have experience handling all these claims, such as spills and chemical explosions, requiring coordination with FEMA, trade contractors’ daily operations, and design-build construction projects. Our team handles claims from large Fortune 100 corporations to small family-owned businesses. Each Insured, regardless of size, receives the same excellent customer service.
Kanan Sheth
Vice President, Head of Claims
Kanan joined SiriusPoint (now Distinguished) in 2022 as the Claims Manager for the Environmental Division, bringing nearly 20 years of experience in managing both litigated and non-litigated environmental, construction, and construction professional claims. Her expertise spans from coordinating with FEMA for large-scale chemical incidents to overseeing daily operations of trade contractors and design-build projects resulting in pollution and professional claims. Prior to SiriusPoint, Kanan managed environmental claims at Zurich American Insurance Company and Endurance American Insurance Company (now Sompo International). She holds a B.S. in Environmental Science from the University of Delaware and a J.D. from Pace University School of Law.
Laura Berney
Vice President, Claims Counsel
Laura joined SiriusPoint (now Distinguished) in July 2021, bringing nearly 30 years of experience managing complex long-tail exposure claims involving property damage and bodily injury, including construction defect, asbestos, environmental, and product liability claims. Before joining SiriusPoint, Laura held positions at renowned carriers such as CIGNA, Chubb, Global Indemnity Group, and Armour Risk Management. At Chubb, she specialized in handling ceded international reinsurance claims for multinational insureds. Laura holds adjuster licenses in 28 states and previously practiced law at a leading Philadelphia firm. She earned her B.A. from Pennsylvania State University in 1987 and her J.D. from Temple University Beasley School of Law in 1990.