Contractors and Consultants, involved in construction or remediation projects, face increased exposures to environmental liabilities. ENCON's Environmental Package Insurance for Contractors and Consultants is a combined coverage policy that specifically addresses allegations of pollution liability, as well as errors and omissions, and commercial general liability exposures. Our combined coverage policy provides extensive liability protection, while helping to avoid gaps in coverage, which may occur when purchasing separate policies.

The following provides an example of those eligible for Environmental Package Insurance:

• General contractors
• Subcontractors
• Construction managers
• Above ground and underground storage tank installers
• Environmental consultants and their employees
• Design remediation firms 

Some of the types of projects covered by the Environmental Package Insurance:

• Construction and/or environmental remediation/abatement
• Design remediation
• Phase 1, 2, 3 and 4 environmental site assessments
• Environmental consulting and engineering
• Response action/emergency spill response
• Above ground or underground storage tank installation or maintenance
• Demolition
• New construction, renovation or rehabilitation of water treatment plants

• One wording which combines three coverages: Commercial General Liability, Pollution Liability Insurance for Contractors, and Errors and Omissions Insurance (E&O not available for all applicants)
• Policy Section One, Commercial General Liability – This section is written on an occurrence basis
• Policy Section Two, Pollution Liability Insurance for Contractors – This section can be written on a claims-made or occurrence basis (occurrence not available for all applicants)
• Policy Section Three, Errors and Omissions Insurance – This section is written on a claims-made basis
• Policy Period – Annual policies only; if coverage is required for specific projects, wrap-up liability policies, project-specific contractors’ pollution policies and project-specific E&O policies are available separately
• Capacity – Limits up to $5,000,000 each incident/aggregate
• Minimum deductible  –  $5,000
• Territory – Coverage for claims made in Canada

Under Policy Section One – Pollution Liability Insurance for Contractors:

• Coverage for sudden and gradual pollution conditions
• Third party bodily injury and third party property damage, including cleanup costs caused by pollution conditions resulting from covered operations
• $250,000 limit for Emergency Remediation Costs

Under all policy sections:

• Automatic extended reporting period of 30 days, applicable to the policy sections of the wording written on a claims-made basis
• Supplementary Payments are included in the coverage agreement and do not reduce the limit of liability (certain conditions apply)
• Deductible does not apply to Supplementary Payments

• Mould coverage is available on a claims-made basis under Policy Section One – Pollution Liability Insurance for Contractors

• A completed ENCON Environmental Package Insurance for Contractors and Consultants application form
• All applications must be submitted to ENCON through a licensed insurance broker

Professional Liability & Construction