Contractors Pollution Liability

Brokers and Contractors can rest easy knowing their best interests are being protected when they “Think McGowan.”

McGowan Program Administrators offers pollution liability insurance for contractors.

Download: Contractors Pollution Liability Insurance Brochure

ELIGIBLE CLASSES – Including, BUT Not Limited To

  • HVAC
  • Painting
  • Carpentry
  • Janitorial Services
  • Concrete Construction
  • Drilling (non-oil and gas)
  • Electrical
  • Hydroblasting
  • Oil & Gas (no over-the-hole)
  • Plumbing
  • Sewer & Water Main
  • Siding and Window Installation
  • UST/AST Installation
  • Soil Excavation
  • Septic Tank Install/Removal
  • Landscaping

Product Overview


  • Contractors Pollution Liability


  • $10,000,000


  • All 50 States (except New York)


  • A.M. Best “A+” XV Rated Carrier / Non-Admitted Paper

Special Features

Coverage can be offered on either a Claims Made and Reported or Occurrence basis. Some classes will require Claims Made and Reported coverage only.


  • Minimum Premium: $2,000
  • Emergency Response Costs included to full policy limits
  • Successful mediation of a claim reduces the insured’s deductible by 50%
  • Complementary Environmental Emergency Response Program designed to assist insureds with environmental releases
  • Industry-leading claims team with expertise in adjusting and handling all levels of environmental claims


  • Mold and Legionella
  • Non-Owned disposal site coverage – blanket or scheduled – at a qualified location
  • Defense outside the limits
  • Losses to include Punitive Damages, Treble Damages, Fines and Penalties
  • Pollution from transportation included in the Commercial Auto
  • Extended Completed Operations Coverage

Partnering with McGowan

Most lawsuits filed against contractors are the result of the creation or exacerbation of an environmental condition such as the spread of contaminated soils, disturbance of mold/lead paint/asbestos, and environmental releases caused by fires or water intrusion. Contractors need to know their businesses and the assets of their clients are safeguarded in the event of a pollution event. Brokers who partner with McGowan Program Administrators and our Contractors Pollution Liability policy can find the necessary coverages, claims handling, and environmental emergency response expertise. By utilizing the “Power of the Pen,” McGowan bundles together unique and distinctive insurance policies with years of knowledge and a wealth of experience in the environmental insurance marketplace.

Download: Contractors Pollution Liability Insurance Brochure

Contractors Pollution Liability Application

Download: Contractors Pollution Liability Insurance Application

Download: Environmental Fungus/Mold Supplemental

To Obtain Quotes

The following information is required to obtain a quote for Environmental Services Package:
1. Supplemental Environmental Contractor Application – McGowan or competitor acceptable for quoting
2. Five years of currently valued loss runs for all lines of business
3. Audited financial statements
4. Project list including 10 largest projects over the past three years
5. Sample Contract used with clients, subcontractors, and sub-consultants

To Bind Coverage

The following is required to bind coverage:
1. Written request to bind coverage
2. Completed McGowan Environmental Application signed and dated by the insured
3. Completed and signed McGowan Surplus Broker Responsibility Form

Contact: Robert Newmarker