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Pollution Liability Insurance for Contractors

Learn more about this coverage.

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Keeping pollution incidents under control

Our Pollution Liability insurance policy protects contractors against claims for third party bodily injury, third party property damage or third party environmental damage, including cleanup costs, caused by pollution conditions resulting from the performance of their work.

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Various contractors responsible for either environmental or non-environmental operations are eligible for pollution liability insurance, whether acting as a general contractor, subcontractor or construction manager.

Examples include:

  • Fire and flood restoration
  • Asbestos/lead/mould abatement
  • Tank installation or removal
  • Excavation
  • Sewer/Water
  • Demolition
  • Marine
  • Site restoration

Contractors and owners are eligible for project-specific pollution liability insurance on our contractor-controlled (CCIP) and owner-controlled (OCIP) programs.

  • Policy form – occurrence or claims-made and reported
  • Policy period – annual policies; multi-year policies for specific projects, including completed operations and extended reporting period
  • Capacity – limits up to $10,000,000 each incident/aggregate
  • Standard deductible – $5,000
  • Minimum premiums – contact an underwriter
  • Territory – coverage for claims made in Canada

  • Coverage for gradual and sudden pollution conditions
  • Emergency remediation costs
  • Improper supervision of subcontractors which results in pollution conditions
  • Completed operations
  • Supplementary payments do not reduce the limit of liability (certain conditions apply)
  • Incidental transit
  • Automatic extended reporting period of 30 days
  • Civil fines, penalties or assessments
  • Deductible does not apply to supplementary payments

  • Mould coverage is available on a claims-made and reported basis
  • Non-owned disposal sites
  • Premises pollution for locations owned or leased by the insured

For standard submissions, please complete the form that’s most relevant to you below:

Pollution Liability Insurance for Contractors application form (Annual Policy)

Pollution Liability Insurance for Contractors application form (Project-specific Policy) 

If you require optional coverage for Premises or Mould, please complete the following supplementary questionnaire(s):

Supplementary Questionnaire - Premises Coverage

Supplementary Questionnaire - Mould

For specific projects, please include the following with your submission:

  • Job specifications
  • Contract
  • Project description
  • Site plan

Once completed, please send everything to submitapps.ca@victorinsurance.com

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