Contractors Pollution and Professional Liability

Question 1

Professional Liability

Answer

Rectification Expense included in the policy form
Faulty workmanship exclusion does not apply to Professional Liability
Coverage for the use of Building Information Modeling (BIM) design assist programs
Coverage for Technology Services provided in the course of performing professional services
Automatic 90 days coverage for newly formed entities and acquisitions
Broad definition of Professional Services
Coverage for LEED Accredited Professionals
FHA and ADA defense expense (additional limit)
The Means and Methods exclusion does not apply to professional negligence claims
Corporate Reputation Rehabilitation (Additional Limit)

Question 2

Contractors Pollution Liability

Answer

Defense outside the limits for Contractors Pollution Liability
Broad definition of Covered Operations
Faulty workmanship exclusion exception for cleanup costs
Emergency Remediation Expenses – full policy limits and not limited to the Job Site
Occurrence or claims-made based coverage available
Coverage for environmental civil and regulatory fines and penalties.
Natural resource damages (NRD) coverage.
Restoration costs included
Definition of bodily injury includes medical monitoring
Responsible Insured wording
Green Building Materials included within restoration costs
First and Third-party Transportation Pollution Liability including loading and unloading of autos, aircraft, watercraft, and rolling stock
Blanket Non-Owned Disposal Site Coverage for waste generated at job sites and insured owned or leased locations
- Covered Operations includes construction means, methods, techniques, sequences, procedures, and programs
- Site Pollution Liability coverage for Named Insured owned or leased locations is provided on a blanket basis – no scheduling of sites is required.
- Broad Microbial Substance Coverage including mold, mildew, spores, fungi, bacteria, and Legionella pneumophila
- A credit of 50% is applied to the deductible for claims resolved at Mediation
- A Discovery Trigger is provided for First Party Cleanup Costs under Coverage B.5

Question 3

Additional Coverages For Eligible Risks

Answer

Supplemental Additional Defense Limits for Professional Liability
Protective Professional and Pollution Indemnity coverage
Sudden and gradual pollution coverage at insured owned sites
Scheduled Underground Storage Tank coverage, including Financial Responsibility
Site Pollution Liability coverage for named insured owned or leased locations
Broad Microbial Substance Coverage including mold, mildew, spores, fungi, bacteria and Legionella pneumophila
Mediation credit against the deductible
Project specific increased limits
Project specific policies
Discovery Trigger for First Party Cleanup Costs
Coverage for custom designed products

Question 4

Supplementary Payments (additional limits are provided)

Answer

Coverage Details