Philadelphia Insurance Companies’ Contractor Environmental and Professional Coverage (CEPC) provides comprehensive environmental and professional protection for the following types of firms: Construction Managers, General Contractors, Trade and Specialty Contractors, and Environmental Professionals and Environmental Laboratories.
CEPC protects the insured from claims for loss from acts, errors or omissions committed by the insured during their performance of Professional Services, and environmental liability coverage for contracting operations performed by the insured or on their behalf, transportation of waste or materials to and from project site or their yards, waste disposal and recycling of waste or materials from their jobs sites or yards, and their owned or leased locations or yards.
Benefits of the Program
- Five Coverage Parts to protect your entire operation from your yard to your projects to your reputation – Professional Liability, Contracting Operations Environmental Liability Coverage, Waste Disposal Liability, Your Insured Location Liability and Image Restoration
- Image Restoration Coverage to assist the insured in restoring their reputation in the event of a claim or remediation expenses
- Includes Professional Liability as well as Environmental Liability coverage
- Includes coverage for the ‘midnight dumping’ at project sites or owned and leased locations - Contaminants illegally disposed of or abandoned by a third party
- Includes coverage for the insured’s Emergency Expenses, without our prior consent, to protect third parties or the environment from an imminent endangerment due to contamination
- Includes coverage due to mold, legionella and low level radioactive matter or waste
- Property Damage includes coverage for Natural Resource Damages
- Bodily Injury includes medical and environmental monitoring
- Remediation Expense includes both clean-up to the extent required by law and in absence of such laws to the extent recommended by an Environmental Professional
- Remediation Expense includes actual clean up costs, compensatory costs for cleanup costs incurred by others and related legal and defense expense
- Modified consent to settle (hammer) clause – 50/50 with a 10% retention reduction for the insured’s acceptance of the first settlement offer
Application(s)
Supplemental Application(s)
Policy Forms
Documents Required for Proposal
- Completed, signed, and dated Contractor Environmental & Professional Coverage Application
- Details of expiring coverage
- Corporate brochures / statement of qualifications
- Resumes of senior personnel
- Two (2) years of audited Financials and Interim Financials
- Currently valued insurance company loss runs for the current policy period plus four (4) prior years for all Environmental, Auto and GL coverage
- Representative projects listing or SF254
Restricted Classes
- Design / Build Contracts
- Architectural Design
- Structural Engineers
- Geotechnical Engineers
- Civil Engineers
General Liability coverage is not available for this product
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Private Company Protection Plus
This policy is a comprehensive liability solution for small to mid-sized privately held corporations. It provides Directors & officers Liability (lead coverage), Employment Practices Liability and Fiduciary Liability.
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