Contractors Pollution Liability
Roofing work involves hot asphalt, coatings, solvents, and old materials that can trigger pollution claims — the exact claims a general liability policy is written 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.
It responds to fumes and spills from your materials, contamination from tear-off debris, and the cost to clean up and defend the claim.
Real-World Scenario
A kettle overheats and hot asphalt overflows, sending fumes into a neighboring building's fresh-air intake and prompting evacuation and cleanup claims. The general liability carrier denies the pollution claim — a CPL policy responds.
Yes. Hot-tar fumes, coatings, solvents, and asbestos in old roofs are all pollution conditions a standard general liability policy excludes.
A general liability policy typically excludes chemical releases like coatings and solvents; contractors pollution liability is designed to cover them.
Related: Contractors Pollution Liability · Cost of coverage
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