Contractors Pollution Liability
Landscaping and grounds work uses fertilizers, pesticides, and fuels that can run off or spill into soil and waterways — pollution conditions your general liability policy excludes.
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.
It responds when chemicals or fuels run off or spill, when grading uncovers contamination, and when sediment or runoff reaches neighboring property or water.
Real-World Scenario
Over-applied fertilizer and herbicide wash into a neighboring property's pond after heavy rain, causing a fish kill and a contamination claim. The general liability policy excludes the pollution event — a CPL policy responds.
Yes. Fertilizer and pesticide runoff, fuel spills, and soil contamination are pollution conditions a standard general liability policy excludes.
Chemical and fertilizer runoff is typically excluded by general liability; contractors pollution liability is designed to respond to it.
Related: Contractors Pollution Liability · Cost of coverage
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