Contractors face

pollution risks on the job

site daily. In an instant,
these can damage
property, impact lives and
mar company reputations
earned through years of
quality performance.
An inadequately
insured contractor
can experience severe
financial hardship in the
event a claim is made or
a suit is filed.

Contractors Pollution Liability insurance

for Travelers surplus lines brokers
PIPELINE RUPTURES, CHEMICAL SPILLS, FUEL LEAKAGE, UNINTENDED CONTAMINATION

Travelers’ Environmental Practice helps contractors manage these exposures, and protect
assets through underwriting excellence and extensive knowledge of environmental risk.

Specialized account executives provide pollution liability insurance products to help separate
the environmental risk from the business opportunity. As a surplus lines broker, you should
be aware that coverage is exclusively available for Travelers Commercial General Liability
customers, and is provided on a surplus lines* basis.

Submission requirements: Signed and completed Travelers Contractors Pollution Liability application and required attachments
Travelers Contractors Pollution Liability insurance
Travelers Contractors Pollution Liability insurance provides coverage
for bodily injury, property damage and pollution clean-up costs as
a result of pollution conditions for which the contractor may be
responsible. This can include a discharge of pollutants brought to
the job site, a release of pre-existing pollutants at the site or other
pollution conditions due to the performance of the contractor’s
covered operations.
Coverage highlights
• Dedicated policy/dedicated limits
• Claims-made or occurrence-type coverage available
• Operations may be covered on a “blanket” basis or by project
• Coverage for gradual and sudden conditions – no 72-hour or other
short-term reporting requirement for liability coverage
• Pollution clean-up costs coverage applies without requirement
of concurrent bodily injury or property damage
• Emergency response costs coverage for on-site pollution
cleanup
• No force majeure exclusion
• Automatic additional insured coverage if required by named
insured’s written contract
• Completed operations coverage
• Covered operations include work performed by named insured’s
subcontractors
• Innocent insured wording - exception to conduct-based exclusions
• Property damage includes physical damage to and diminution in
value of tangible property
• Natural resource damages included in the definition of
property damage
• Worldwide coverage territory includes claims or suits outside
the U.S. or Canada
• Pay-on-behalf-of coverage
• Punitive damages covered where allowed by law
• Auto coverage included for owned autos operated at the job site
Need more features to address your client’s risk? Optional
coverages available by endorsement:
• Designated non-owned disposal sites
• Insured’s liability for transportation of materials by auto to/
from job site
• Mold (fungi/bacteria) coverage
• Low-level radioactive waste
Indications available for contract/bid requirements.
Our service offering: Travelers’ Umbrella of Services
Travelers’ Umbrella of Services provides layers of service beyond the
policy with professional services that help mitigate losses and deliver
prompt, fair claim resolution when a loss does occur.
Integrated loss prevention solutions
• Environmental risk control assessment can often be scheduled in
a single visit at the same time as the Commercial General Liability
risk control assessment
• Risk control representatives are located countrywide. They
understand your client’s environmental risks, and work
one-on-one to reduce the risk of loss
• Practical, prioritized, recommended actions are developed based
on risk assessment findings
Policy services
• Efficient, timely delivery of policy documents, including
endorsements
Superior claim service and resolution
• Claim centers across the country ensure customers work with a
Travelers professional, not a third party – available 24/7
• Dedicated specialists help improve environmental claim outcomes
• Prompt and fair claims resolution
The Strength of Travelers
In business more than 150 years, Travelers is a component of the
Dow Jones Industrial Average, and an industry leader in insurance.
We consistently receive high ratings for financial strength and claims-
paying ability from independent rating services, including A.M. Best,
Moody’s, and Standard & Poor’s. Our financial strength allows us to
give you a long-term commitment to support your business needs.

To contact a Travelers’ Environmental Practice specialist, call 866.787.2857

travelers.com/environmental

Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
*This document is intended for surplus lines brokers only. It is provided for general information purposes and does not constitute an offer to sell or a solicitation. Coverage is
underwritten by St. Paul Surplus Lines Insurance Company, a U.S. based surplus lines insurer. Surplus lines insurers do not participate in state guaranty funds and thus insureds
are not protected by such funds. State law requires this document to include notification that St. Paul Surplus Lines Insurance Company is not licensed in California or New
York. Advertising of surplus lines products may be restricted by state law; surplus lines brokers are responsible for compliance with all such laws.
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does
or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable
policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
© 2012 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the
U.S. and other countries. 56141 New 11-12