Pollution Legal Liability Insurance

Distinguished's Pollution Legal Liability insurance protects against environmental liabilities not covered by General Liability. Covers Clean-Up, Injury, Damage, Legal Expenses, and More.

Protecting Against Unusual Environmental Risks

Distinguished's Pollution Legal Liability Insurance protects against environmental liabilities that are not typically covered by a General Liability (GL) policy. The pollution legal liability insurance policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage) and legal expenses for new and/or historical pollution conditions on, at, under, or migrating from or through a covered location or an indoor contaminant condition at a covered location. The pollution legal liability insurance policy also provides coverage for mortgage protection, diminution in value, business interruption, non-owned disposal sites, transportation of an insured's wastes or products, and contracting services.



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.

Express Real Estate Umbrella

In-house underwriting for quick turnaround

Hotel Primary Insurance

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

  1. Register your agency if not already registered
  2. Download the Pollution Legal Liability Insurance Application
  3. Complete and submit to Douglas Stepenosky, via email: dstepenosky@distinguished.com

Pollution Legal Liability Insurance Product Highlights:

  • Coverage for mold matter and legionella pneumophila
  • Business interruption, including contingent business interruption and delay costs for new pollution conditions
  • Coverage for clean-up costs incurred on an emergency basis
  • Additional legal costs may be provided outside the limit
  • Occurrence coverage for the insured's contracting services at job sites
  • Coverage for bodily injury and property damage from asbestos-containing materials and lead-based paint
  • Coverage for Disaster Management Costs and Subpoena Expenses
  • Credit towards SIR for approved mediation
  • Target classes include multi-family residents, hospitality, commercial office buildings, airports, warehouse/distribution facilities, healthcare facilities, environmental facilities, manufacturing facilities, redevelopment properties, brownfields, and agricultural facilities
  • Pollution Legal Liability Insurance Coverage provided by SiriusPoint

Pollution Legal Liability Insurance Coverage Capacity: 

  • Limits of liability up to $25M/$25M
  • Policy terms up to ten (10) years; thirteen (13) years for lenders
  • Minimum premium of $5,000 for an annual policy

To get more information about our Contractor's Pollution Legal 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:
(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 Distinguished Programs

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 Distinguished Environmental

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.


Contractors Pollution Legal Liability Plus (CPL)

CPL insurance covers environmental liabilities and costs from pollution or indoor contamination.

Contractor’s Pollution & Professional Legal Liability Plus (CPPL)

CPPL protects against environmental and professional liabilities like pollution or indoor contaminant-related costs.

Follow Form Excess Liability Policy

This coverage provides capacity above the underlying primary policy.

Owners Professional Protective Indemnity Plus (OPPI)

Coverage for losses due to acts, errors, omissions, or pollution from subcontracted design or contracting services.

Pollution Legal Liability Plus (PLLP)

Protects against environmental liabilities that are not typically covered by a general liability policy.

Distinguished Environmental & Construction Professional Overview

Lender Liability Claim Scenarios

Environmental & Construction Professional Lender Liability Policy

Learn more about Distinguished Programs Pollution Legal Liability Plus (PLLP) form for lenders