Working in the construction industry means dealing with pollution risks. Even a small, unintentional error by one person who drills a little too far and hits a pipe can mean your company is liable for damages. It’s important to make sure you have adequate pollution coverage. You can start by understanding pollution legal liability vs contractors pollution liability.
Pollution Legal Liability
According to https://www.nsins.com/, when the property is owned by the policyholder, PLL coverage is necessary. This policy covers pollution incidents that occur as a result of the site itself. A claim can be made for various reasons:
- Cleanup costs
- Building damage from on-site pollution
- Personal injury or illness
Contractors Pollution Liability
Every construction company needs CPL coverage. It protects you from risk associated with the operational aspect of the job. Any time materials are brought onto a work site, there is the potential for pollution. This policy can cover spills or leaks of hazardous materials or unintentional errors committed during the construction process.
When you work with potential pollutants, it is better to err on the side of safety when it comes to insurance coverage. Many insurance packages for construction companies will combine some form of PLL and CPL policies. Your insurance agent can evaluate your specific needs and find the liability coverage that suits them the best.