When & Why Contractors Should Consider a Project-Specific CPL Insurance Policy

If you’re a commercial lines broker, you have undoubtedly handled construction-related accounts.  Whether it’s for general contractors or trade contractors like electrical, plumbing, or roofers, you are probably well-versed in their practice policy needs.  And while a practice policy can address most of your client’s needs, there are times when the project at hand calls for coverage to be tailored to meet the unique needs of the project owner, a project-specific insurance policy.

There are several reasons why a project-specific insurance policy may be desirable:

  • The project owner wants a longer policy term to match the length of the construction phase and completed operations period, which could be years (whereas practice policies are generally written on an annual basis).
  • The project owner wants the security of dedicated limits rather than having them potentially eroded by unrelated losses under a practice policy.
  • There is a need for higher limits exceeding the limits available under the contractor’s practice policy.
  • There are contractual obligations mandating the structure or unique language requirements that need to be incorporated into the policy.

At Distinguished Environmental and Construction Professional, we specialize in customized coverage for contractors and can help with your project-specific needs. We offer specialized policies like Contractor’s Pollution Legal Liability (CPL) and Contractor’s Professional and Pollution Liability (CPPL). These policies provide broad coverage that protects against pollution-related claims, and the CPPL provides additional coverage for professional services. Our team of expert underwriters and construction specialists can guide you in finding the right coverage for your client’s unique project needs.


Our partnership with SiriusPoint enables us to offer Limits of Liability up to $25M/$25M on project-specific placements.

Project Policy Terms

We can offer expansive policy term lengths, accommodating construction periods of up to 5 years plus completed operation periods to meet state-specific statutes of up to 12 years (17 years in total).


Our team of seasoned construction underwriters are available to help you with premium estimates for your client’s project bid needs.

Contract Review

The underwriting of a specific project begins with a thorough review of the contract requirements.  Distinguished’s experienced underwriters and in-house counsel can develop unique policy language to satisfy them.

“I’ve got to get on the job site!”

Everyone misses a contractual obligation at some point in their career, and not being able to start a job because the required insurance isn’t bound is a very stressful place for your client to find themselves in.  Our in-house authority and knowledge allow us to provide bindable quotes quickly, and are often the first market to respond.

Contact us today to learn more about our Environmental & Construction Professional insurance solutions. 

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Fine Art and Collectibles, Environmental and Construction Professional, Executive Lines, Inland Marine, Real Estate & Builder’s Risk, Community Associations, Hotels, and Restaurants. Property and Liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished’s high-limit Umbrella programs remain the clear choice in its area of specialty for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

View a full list of our programs and submit business with Distinguished.

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