Protection against pollution incidents
Environmental pollution risks are usually complex. Some pollution incidents can result from a sudden and accidental event, while others may develop slowly and take years to be discovered. MCM Agency works with multiple carriers to offer products specifically designed for your customer’s Pollution Liability needs.
Contractors Pollution Liability
General and specialty trade contractors face many pollution risks stemming from operations at their job sites, including contaminated soil disposal and the accidental release of fuel oil; chemicals and/or toxic gases from broken pipelines; utilities; and stationary and mobile fuel tanks.
Contractors Pollution Liability (CPL) provides coverage for third-party claims for bodily injury and/or property damage. It will also help cover the cost of remediation stemming from pollution incidents resulting from the contractor’s covered operations.
You may customize the policy by adding off-site transportation coverage and exposures at non-owned locations.
Monoline CPL
| Limits | Min. Premiums |
|---|---|
| $1,000,000 / $1,000,000 | $1,250 |
| $1,000,000 / $2,000,000 | $1,500 |
| $2,000,000 / $2,000,000 | $2,500 |
| $3,000,000 / $3,000,000 | $3,500 |
| $4,000,000 / $4,000,000 | $4,750 |
| $5,000,000 / $5,000,000 | $6,000 |
| $5,000,000 / $10,000,000 | $9,000 |
Premises and Storage Tank Pollution Liability
Pollution Liability isn’t just a concern for contractors. Many types of risks, including manufacturers, automobile/truck dealers, gas stations, convenience stores, medical/dental offices, printers and dry cleaning operations have the potential to experience an environmental claim. Despite safety protocols, accidental spills still happen, and above and below ground storage tanks may eventually leak.
Premises Pollution Liability appetite and minimum premium:
- Limits up to $2,000,000/$2,000,000
- One- and three-year policy terms
Examples of Class Appetite:
- Small agricultural risks
- Farm and ranch less than 100 acres; plant nurseries
- Apartments – no more than two locations; condo associations
- Oil change/mini lube/auto repair/auto dealership
- Strip mall
- Self-storage facility
- General commodity warehouse – no chemical storage
- Golf course
- Marina
- Medical/dental office (no hospitals)
- Many other classes available
Monoline PPL
| Limits | Min. Premiums |
|---|---|
| $250,000 / $250,000 | $950 |
| $250,000 / $500,000 | $1,250 |
| $500,000 / $500,000 | $1,500 |
| $500,000 / $1,000,000 | $1,750 |
| $1,000,000 / $1,000,000 | $2,000 |
| $1,000,000 / $2,000,000 | $2,500 |
| $2,000,000 / $2,000,000 | $3,750 |
Monoline Storage Tank Pollution Liability (from Chubb)
| Program | What's Covered | Limits/premiums/deductibles | Restrictions | Application |
|---|---|---|---|---|
| TankSafe Program | Third-party BI/PD liability resulting from pollution incidents involving above & below ground storage tanks | Limits: $500K/$1 million up to $5 million/$5 million Minimum premium: $350 Minimum deductible: $5,000 |
Above & below ground tanks over 30 years old Tank capacity > 49,999 gals |
PF-31408 |
Give us a call to discuss a particular risk or email your submission to Mike or Ted.
Mike Styba, 952-939-4539, mike.styba@mcminsurance.com
Ted Peters, 952-930-2262, ted.peters@mcminsurance.com