Contractors face a number of pollution risks stemming from their operations, such as the accidental release of asbestos, mold, or lead paint.

Contractor’s Pollution Liability insurance provides protection for claims alleging bodily injury and/or property damage stemming from pollution incidents. The policy also pays for clean-up costs you become legally obligated to pay as a result of environmental damage.

The Restoration RRG Pollution Liability policy includes the following coverage:

• Remediation, Restoration or Construction Operations - Pays for injury or damage arising out of your operations.

Pollution Liability Coverage	Standard Required Limits	Higher Limits Available up to:
Any non-owned site of the above Franchisee covered by a specific contract under a Franchise License.	$ 2,000,000 each claim $ 3,000,000 aggregate	$ 5,000,000 each claim $ 5,000,000 aggregate
Policy Deductible	$ 1,500 each claim

General Conditions

• Legal Expenses – Legal costs associated with a covered claim are paid from within the total policy limits.
• Scope of Work – As of July 1, 2020 the RRRG broaden the CGL & CPL coverage to encompass all work performed without purchasing the optional coverage.  If you have renewed as of July 1, 2020 coverage is in place; otherwise, NO COVERAGE is provided for construction work performed outside your scope of work as a SERVPRO^® Franchisee (unless you have purchased optional coverage for Additional Construction).
• Asbestos Abatement – Coverage does not apply to asbestos abatement work except in the case of accidental disturbance of asbestos in the course of fire, water, disaster remediation or restoration where the presence of asbestos was unknown to you.
• Disturbance of Lead Paint – Coverage does not apply to claims arising out of lead paint except in the case of accidental disturbance of lead paint during the course of restoration work and/or when the work is performed under the federal guidelines established by the Environmental Protection Agency for Lead-Based Poisoning Prevention.
• Other Business Entities – No coverage is offered for any other business entity unless an application is submitted and approved.
• Claims-Made Policy Form – Claims must be both made against the named insured and reported to the Restoration RRG during the policy period for coverage to apply.
• Named Insured – Includes owners, officers, directors, trustees, employees
• Exclusion: This insurance does not apply to losses arising out of the reconstruction of buildings or structures that have been declared or determined to be a total loss or to losses arising from new construction. New Construction means any construction of a structure of any kind that did not exist prior to the Insured’s work being performed.

Some exclusions apply.

Supplemental Coverage

Miscellaneous Lead Paint Professional Liability

Limits	$ 250,000 each wrongful act/$ 250,000 aggregate
Deductible	$ 1,500 each wrongful act

 
The coverage provided applies to the testing for or failure to test for lead paint as specified under the EPA Regulations and generally referred to as restoration, remodeling and painting work practices. In order for coverage to apply, you must be certified as a Restoration, Remodeling and Painting (RRP) contractor and have a certificate of compliance issued to you or a designee prior to the inception date of coverage. It does not pay for any civil or regulatory fines or penalties.  Coverage also includes the collection of samples for testing by an independent testing laboratory, performed by the Named Insured or someone acting on behalf of, and at the direction of the Named Insured.

Training Coverage Endorsement
This endorsement is for SERVPRO^® trainers and/or directors only. Extends coverage to failure to properly train others in the restoration, remediation, mitigation, testing, monitoring, treating, containing or in any way responding to or assessing the effects of a pollution incident. 

Terrorism Risk Insurance Act
TRIA is coverage for a loss as a result of an act of terrorism and is included on all full CPL policies for no additional premium. ​