Liability & Insurance

Pollution Liability Insurance

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Overview

Policy Forms

  • Non standard – will vary from insurer to insurer.
  • Contractors Pollution Liability (CPL) Insurance: Covers contractors for pollution claims at or from job sites.
  • Premises Pollution Liability (PPL) Insurance: Covers property owners, managers and operators for pollution claims at, or from, sites they own, manage or operate.
  • Some contracts may need a combination of CPL and PPL.

What Should Be Covered

  • Losses arising from pollutants including, but not limited to, fungus, bacteria, asbestos, lead, silica, and contaminated drywall.
  • Bodily injury, sickness, disease, sustained by any person, including death.
  • Property damage, including damage to tangible property and the resulting loss of use it.
  • Cleanup costs.
  • Loss of use of tangible property that has not been physically injured.
  • Damage to natural resources.
  • Emergency response costs.

Coverage Trigger

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Contractors Pollution Liability Insurance

Important Coverages and Endorsements Required by County

  • Third-party claims for bodily injury, property damage, and cleanup arising from the contractor’s covered operations.
  • Coverage for ongoing and completed operations.
  • Additional insured status for both ongoing and completed operations.
  • Insurance, including additional insured status for completed operations continued after completion of work.  This applies to both occurrence and claims-made policies.
  • Primary & non-contributory coverage for additional insureds. This is important because our pollution liability policy is a commercial insurance policy and not a Memorandum of Coverage issued by a public agency risk sharing pool.
  • Contractual liability insurance. Policies take different approaches:
    • Some insurers include it;
    • Some exclude it, but will endorse it for specific designated contracts;
    • Some exclude it with no buy-back. 
  • Coverage for inter-insured suits.
  • Waiver of subrogation in favor of all additional insureds.

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Premises Pollution Liability Insurance

Important Features to Be Included

  • Third-party claims for bodily injury, property damage, and cleanup arising from pollution conditions on, at, under, or migrating from a covered location.
  • First-party on-site cleanup for pollution conditions.
  • Should cover sudden and accidental and non-sudden/gradual pollution events.
  • Should cover all locations specified in the agreement.
  • Additional insured status for us.
  • Primary & non-contributory coverage for additional insureds.  This is important because our pollution liability policy is a commercial insurance policy and not a Memorandum of Coverage issued by a public agency risk sharing pool.
  • Lead, asbestos and mold are usually excluded, but might be available by endorsement.
  • Waiver of subrogation in favor of all additional insureds.

Coverage for Additional Insureds: Funding Sources & Grantors of Easements

Start here: See Isolation Valves Project

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Contact Information

Jamie Bloom, Insurance Manager

Reesha Ruel, Liability Manager

Risk Management Division

Human Resources Department

Business Hours
Monday – Friday
8:00 AM – 5:00 PM
Contact us by Phone
Address
575 Administration Drive
Room 116 B
Santa Rosa, CA 95403
38.465237, -122.725363