Quick answer: Most general liability policies contain a pollution exclusion. Contractor pollution liability (CPL) fills that gap: it covers third-party bodily injury, property damage and cleanup costs when your work releases or disturbs a pollutant, such as a fuel spill, mold, or contaminated soil.
Examples of pollution claims on contractor jobs
- A fuel or hydraulic fluid spill from equipment contaminates soil or a storm drain
- Mold growth after a water intrusion on a remodel
- Excavation disturbs contaminated soil
- Roofing, coatings or solvents release fumes or runoff
- Cleaning products or chemicals spill and damage a customer's property
GL vs contractor pollution liability
| General liability | Contractor pollution liability | |
|---|---|---|
| Pollution losses | Usually excluded by a pollution exclusion, sometimes with a narrow exception | Covered, subject to the policy terms |
| Cleanup costs | Generally no | Often covered |
| Basis | Occurrence | Often claims-made |
What to check
- Does it cover your operations at the job site, or only completed operations or non-owned disposal sites?
- Is mold included or excluded?
- Does it cover transportation of materials?
- Is asbestos or lead abatement excluded? Many policies exclude it unless you buy a specialist abatement policy
- Do your contracts require pollution liability and additional insured status?
Get a pollution quote
Tell us your trade and the work you do and we will find the policy that fits. Call (858) 925-9555 or request a review online — only your name, phone and email are required; we collect project details by phone. Asena Capital Insurance Services, CA License #6008596.
Frequently asked questions
Does general liability cover pollution?
Usually not. Most contractor GL policies exclude pollution, with narrow exceptions.
Which contractors need pollution liability?
Contractors who handle fuel, solvents or chemicals, excavate, remodel with water exposure, or sign contracts that require it.
Does pollution insurance cover mold?
It depends on the policy. Some include mold and some exclude it, so check the wording.
Is pollution liability claims-made?
Often, yes. The claim must be made during the policy period.