Category Archive: Pollution Liability – Lead Based Paint

Aug 27

Avoiding The Dreaded “HAMMER CLAUSE”

I have recently seen contractor pollution policies and contractor professional liability policies that contain the dreaded “hammer clause,” which compels an insured to comply with an insurer’s decision to settle a case rather than fight it out in court. Some insurance carriers also call this the “cooperation clause,” as it forces insureds to settle a …

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May 06

Sampling of Environmental Losses in Buildings

Long Island apartment tenants forced out – mold remediation expected to cost millions for Archstone-Smith A resident of a water-damaged apartment complex filed a lawsuit Wednesday against the property owner, saying that the Archstone Westbury’s “water intrusion problems” and reported mold and mildew made her sick and damaged her property, according to court documents. Andrea …

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Apr 29

Why Contractors Need Environmental Insurance


No matter how careful you are, you can never eliminate all exposure to hazardous materials or waste on construction jobsites. Improving quality control, material handling procedures, conducting site surveys, and updating work policies can help prevent accidents and exposure and improve work site health and safety, but these steps alone may not be enough to …

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Jul 28

Everything you want to know Pollution Liability For Plumbers & HVAC

We are offering a free 20 instructional video minute video for free as a training resource for insurance agencies. We discuss everything you want to know about contractor pollution liability for plumbers and HVAC risks.  We discuss asbestos, lead, mold and other pollutants in detail in the video.  We also discuss claims made vs. occurrence …

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Jul 11

Why Restoration Contractors Need Professional Liability


I am continuously asked why restoration contractors should carry professional liability insurance. Professional liability should be carried by those who prepare reports or provide opinions that others rely on. “Professional Liability coverage can be offered along with CPL to many non-environmental contractors (general contractors, restoration contractors, construction managers, or specialty contractors) performing project management, plan …

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Jun 28

EPA – Lead Paint Removal Rules

A new law took affect in April 2008 which regulates all contractors performing renovation, repair and painting projects that disturb lead-based paint in homes, child care facilities, and schools built before 1978 must be certified and must follow specific work practices to prevent lead contamination.

Jun 04

Washington landlord cited for failing to notify tenants of lead paint


(Seattle – May 15, 2012) Robert Kerr of Everett, Washington will pay a penalty for alleged violations of the federal Real Estate Notification and Disclosure Rule, according to a settlement with the U.S. Environmental Protection Agency. Mr. Kerr leases properties located in Bellingham, Washington. From 2008-2010, Mr. Kerr leased 26 residential units numerous times and …

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May 22

Real Life Examples of Contractor Pollution Claims.

Call us at (888) 473-8985 Why do all types of contractors need Contractor Pollution Liability? Because environmental claims can happen to any type of contractor. Many non-environmental contractors assume that claims arising from operations are covered by their general liability policy. Most commercial general liability policies have total pollution exclusions which leaves contractors bare in …

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Apr 25

Why Your Insurance Agency Should Offer Contractor Pollution Liability On Construction Risks

Visit or call us at (888) 473-8985 There are two things that motivate insurance agencies, additional revenue streams from cross selling opportunities and protecting the agency from errors and omissions claims. Contractors are around potential pollution hazards on a daily basis and virtually every single general liability policy issued today in the United States …

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Apr 23

Wondering If The EPA Is Going To Fine Contractors For Violations?

So the question has been bandied about whether or not the EPA would actually crack down on contractors and fine them for violations. Well we now have an answer! is reporting that Two remodelers and a rental property owner have been fined by the EPA for violations of the Lead Renovation, Repair and the Painting …

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