Bundle your General Liability, Contractors Pollution Liability, and Professional Liability into one policy. One carrier, one renewal, fewer gaps in coverage, and real cost savings.
A combined package policy brings together three key types of insurance into a single program. Instead of buying separate General Liability (GL), Contractors Pollution Liability (CPL), and Errors & Omissions (E&O) policies from different carriers, you get everything under one roof.
Covers bodily injury, property damage, and personal injury claims that arise from your regular business operations. Available on an occurrence or claims-made basis.
Protects against pollution-related claims from your contracting work, including cleanup costs, third-party bodily injury, and property damage from pollution events. Occurrence or claims-made.
Covers professional liability claims for mistakes, negligence, or failure to perform in your professional services. Written on a claims-made basis.
Beyond GL, CPL, and E&O, the package can also include Third Party Pollution Legal Liability (claims-made) and Onsite Cleanup coverage (claims-made). You can write the policy as a monoline or blend any combination of these parts to match your needs.
This package is designed for contractors and businesses that handle environmental work and need both general liability and specialized pollution coverage.
Contractors who remove hazardous materials from buildings and structures.
Emergency response teams and hazardous material cleanup contractors.
Contractors who install, remove, or repair underground and above-ground storage tanks.
Firms that do soil and groundwater remediation, environmental sampling, and drilling.
Contractors that restore buildings after fire, water, or storm damage.
Recycling centers, waste handling operations, and emergency response contractors.
Also available for radon contractors and alternative energy contractors.
The combined package offers flexible coverage parts that can be written as a monoline or blended in any combination to fit your business.
Commercial General Liability
Occurrence or claims-made basis
Contractors Pollution Liability
Occurrence or claims-made basis
Errors & Omissions
Claims-made basis
Third Party Pollution Legal Liability
Claims-made basis
Onsite Cleanup
Claims-made basis
Policy Limits
Up to $15M per occurrence / $15M aggregate
Policy Terms
Up to 3 years for practice policies, up to 5 years for project-specific policies
Minimum Premium
Starting around $2,000 - $3,000 for the combined package
Flexibility
Monoline or blended in any combination to fit your needs
Customize your package with optional endorsements and enhancements to address the specific risks of your operations.
Per project or per location aggregates
Franchise program compliance
Mold coverage
Transportation pollution liability
Bailee's coverage
Non-owned disposal sites
Emergency response costs
Defense outside limits
Natural resource damages
Sudden & accidental premises pollution
Low-level radioactive and mixed waste
There are real advantages to putting your GL, pollution, and professional liability coverage together in one package policy.
Manage a single policy instead of juggling separate GL, CPL, and E&O policies from different carriers with different renewal dates. This saves you time and reduces administrative work.
When GL and pollution coverage come from the same carrier, there is no risk of disputes between insurers over which policy should respond to a claim. This eliminates dangerous gaps between separate policies.
A combined package is often more affordable than buying each coverage separately. Minimum premiums start around $2,000 to $3,000 for the full package.
Choose occurrence or claims-made triggers, select only the coverage parts you need, and add enhancements to match the unique risks of your operations.
Fill out the application below to receive a combined GL / CPL / E&O package quote. We compare options from multiple carriers to find the best fit for your business.
Or contact us directly to discuss your coverage needs.
Explore other environmental insurance options that may complement your package policy.
Standalone pollution coverage for contractors working on or around contaminated sites.
Learn moreProfessional liability coverage designed for environmental consulting firms.
Learn moreAdditional limits on top of your primary environmental coverage for large projects and contracts.
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