Contractors Pollution Liability (CPL) insurance is designed to protect contractors against environmental liabilities arising from pollution incidents caused by their operations, completed work, or transportation of materials.

Standard Commercial General Liability (CGL) policies typically exclude pollution-related losses. CPL fills this gap by providing dedicated coverage for third-party claims and first-party response costs resulting from environmental incidents.

SRIM offers flexible CPL solutions for both annual practice policies and project-specific risks, underwritten for Canadian contractors operating across a wide range of industries.

What Does CPL Insurance Cover?

CPL insurance responds to pollution incidents that result in legal liability or clean-up obligations, including:

• Sudden and accidental pollution events
• Gradual pollution conditions (where covered)
• Environmental damage arising from contracting activities
• Regulatory-triggered clean-up requirements

Coverage is written on a claims-made and reported basis.

Key Coverage Highlights

Third-Party Liability

• Bodily injury caused by a pollution incident
• Property damage arising from environmental contamination
• Environmental damage caused by covered operations, completed operations, or transportation

First-Party Costs

• Emergency response expenses
• Pollution clean-up and remediation costs
• Environmental crisis management and public relations costs

Defense & Legal Costs

• Defence costs for covered pollution claims
• Supplementary payments where applicable

Operational Flexibility

• Coverage available for:
  • Covered operations
  • Completed operations
  • Transportation exposures
  • Non-owned disposal sites (subject to underwriting)

Who Is CPL Insurance For?

CPL insurance is suitable for contractors whose work presents environmental exposure, including:

• Environmental and remediation contractors
• General contractors and construction managers
• Demolition, excavation, and drilling contractors
• Industrial service providers
• Emergency response and clean-up contractors
• Contractors transporting hazardous or regulated materials

Coverage can be tailored for annual operations or specific projects, depending on the insured’s needs.

Limits & Policy Structure

• A broad range of limits available to meet your client’s needs — from small, targeted placements to large, complex risks 
• Flexible deductibles based on risk profile
• Claims-made and reported policy form
• Coverage written on Canadian-admitted wording where required

All terms, conditions, and coverage extensions are subject to underwriting approval.

Why Place CPL with SRIM?

• Specialist Canadian MGA with environmental underwriting expertise
• Flexible project and practice policy options
• Clear underwriting appetite and responsive referrals
• Broker-focused service and technical support

Get a Quote

To discuss a Contractors Pollution Liability submission or request a quotation, please contact your SRIM underwriter or submit a risk for review.