The PHLY Difference

PHLY's Contractor Environmental & Professional Coverage (CEPC) provides comprehensive environmental and professional protection for the following types of firms: Construction Managers, General Contractors, Artisan Contractors, Trade and Specialty Contractors, Environmental Professionals and Environmental Laboratories.

CEPC protects the insured from claims for loss arising out of acts and errors or omissions committed by the insured during their performance of professional services. CEPC also provides environmental liability coverage for contracting operations performed by the insured or on their behalf, transportation of waste or materials to and from a project site or yards, disposal and recycling of waste or materials from their jobs sites or yards, and their owned or leased locations.

• Third Party Bodily Injury and Property Damage

• Defense Expense

• Transportation

• Contractor Environmental Coverage available on a claims-made or occurrence basis

• Professional Liability Coverage available on a claims-made basis

• Premises Environmental Coverage for owned & leased locations

• Non-Owned Location Coverage (for disposal sites)

• Image Restoration

• Emergency Expense

• Mold Coverage available on a claims-made or occurrence basis

• Illicit Abandonment

• Owner Controlled Insurance Program (OCIP) and Contractor Controlled Insurance Program (CCIP) structures are available

Coverage & Capacity

• Up to $15M per occurrence/ $15M aggregate

Target Classes

• Environmental Contractors

• Environmental Consultants

• Construction Managers

• General Contractors

• Specialty Contractors

• Trade and Artisan Contractors

Unacceptable Classes

• Greater than 25% Design/ Build Contractors

• Architectural Design

• Structural Engineers

• Geotechnical Engineers

• Civil Engineers

• Drilling and Production of Oil and Natural Gas including Fracking

• Single Family Home Construction

• Sole Practitioners