Contractors Pollution Liability
HVAC and mechanical contractors work with refrigerants, fuels, and condensate that can trigger a pollution claim — the kind of claim a standard general liability policy is built to exclude.
Your general liability policy almost certainly excludes pollution. Contractors Pollution Liability (CPL) fills that gap, covering third-party bodily injury, property damage, and cleanup costs from a pollution condition caused by your work — plus legal defense.
That includes releases from your equipment and installations, mold conditions tied to your work, and the cost to respond to a sudden release before it spreads.
Real-World Scenario
A refrigerant line ruptures during a rooftop unit installation and vapor migrates into a neighboring tenant's suite, prompting evacuation and cleanup. The general liability carrier denies the claim under its pollution exclusion — a CPL policy responds to the cleanup and third-party claims.
Yes. Refrigerants, fuels, combustion byproducts, and mold from condensate are all pollution conditions your general liability policy typically excludes.
Usually not. Most general liability policies contain a pollution exclusion that applies to refrigerant and chemical releases, which is exactly what contractors pollution liability is designed to cover.
Related: Contractors Pollution Liability · Cost of coverage
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