Contractors Pollution Liability
Plumbing work carries real pollution exposure — sewage backups, drain chemicals, fuel and gas lines, and mold from leaks — none of which a general liability policy is built to cover.
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 to sewage and chemical releases, mold conditions tied to your work, and contamination of water systems, plus the cleanup and defense.
Real-World Scenario
While repairing a main line, a sewage backup floods a commercial tenant's space and releases into a nearby storm drain, prompting cleanup and third-party claims. The general liability policy excludes the pollution claim — a CPL policy responds.
Yes. Sewage releases, drain chemicals, mold, and water cross-contamination are pollution conditions excluded by a standard general liability policy.
Sewage and wastewater releases are typically excluded by general liability; contractors pollution liability is designed to cover them.
Related: Contractors Pollution Liability · Cost of coverage
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