OUT OF THE ORDINARY INSURANCE

CPL INSURANCE COST FOR CONTRACTORS

CONTRACTORS ASK ABOUT CPL PRICE ALL THE TIME — AND FOR GOOD REASON. THEY WANT TO KNOW WHETHER CONTRACTORS POLLUTION LIABILITY IS AFFORDABLE, WHETHER A CLIENT REQUIREMENT WILL BE PAINFUL, AND WHETHER THE COST MAKES SENSE FOR THEIR TYPE OF WORK. THE HONEST ANSWER IS THAT CPL PRICING DEPENDS ON TRADE, PROJECTS, SEVERITY, LIMITS, LOSS HISTORY, AND HOW WELL THE ACCOUNT IS EXPLAINED TO AN UNDERWRITER.

TRADE SEVERITY MATRIX PROJECT VS PRACTICE POLICY PRICING CLARITY BUILDER RELATED PAGES FAQS
WHAT CPL PRICE ACTUALLY EQUALS
TRADE CLASS & SEVERITY
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LIMITS & PROJECT SCOPE
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LOSS HISTORY
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SUBMISSION QUALITY
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YOUR CPL PRICE
BOOK AN APPOINTMENT CONTACT US TODAY CALL / TEXT (412) 212-2800
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A CONTRACTOR WHO CANNOT CLEARLY EXPLAIN THEIR WORK IS HARDER TO UNDERWRITE — AND HARDER-TO-UNDERWRITE ACCOUNTS GET PRICED WORSE. BETTER PRICING COMES FROM BETTER RISK CLARITY, CLEANER LOSS EXPERIENCE, STRONGER OPERATIONS, AND BETTER SUBMISSIONS. THIS PAGE HELPS YOU APPROACH THE CPL PRICING CONVERSATION THE RIGHT WAY.
WHAT DRIVES CPL COST

TRADE CLASS, TYPE OF PROJECTS, SUBCONTRACTING, LIMITS REQUESTED, RETENTION OR DEDUCTIBLE, LOSS HISTORY, PROJECT SIZE, REVENUE OR PAYROLL, HAZARDOUS MATERIAL PROFILE, GEOGRAPHY, QUALITY OF UNDERWRITING INFORMATION, AND WHETHER THE NEED IS PROJECT-SPECIFIC OR A PRACTICE POLICY.

WHY CONTRACTORS SEARCH FOR PRICE FIRST

CONTRACTORS OFTEN SEARCH FOR CPL COST BEFORE THEY EVEN KNOW WHETHER THEY NEED CPL, A PROJECT-SPECIFIC POLICY, OR A BROADER ENVIRONMENTAL STRATEGY. THIS PAGE HELPS FRAME THE CONVERSATION CORRECTLY — EXPOSURE FIRST, PRICE SECOND. A QUOTE WITHOUT CONTEXT IS RARELY A USEFUL NUMBER.

PROJECT VS PRACTICE CPL

PROJECT-SPECIFIC CPL AND ANNUAL PRACTICE CPL ARE DIFFERENT DISCUSSIONS WITH DIFFERENT COST STRUCTURES. A CONTRACTOR WHO ONLY NEEDS ONE PROJECT COVERED IS NOT THE SAME BUYER AS A CONTRACTOR WHO NEEDS A FULL ANNUAL PROGRAM. BOTH ARE VALID — BUT THE PRICING LOGIC IS DIFFERENT.

TRADE SEVERITY MATRIX

WHERE DOES YOUR TRADE FALL ON THE CPL PRICING SPECTRUM?

NOT ALL CONTRACTORS ARE PRICED THE SAME IN THE CPL MARKET. SELECT YOUR TRADE TO SEE ITS ENVIRONMENTAL SEVERITY PROFILE, WHAT DRIVES ITS PRICING, AND WHERE IT TYPICALLY FALLS ON THE COST SPECTRUM.

REMEDIATION CONTRACTORS
PRICING TIER: HIGHEST COMPLEXITY
PRICING INFLUENCED MOST BY: REVENUE, WORK TYPE, SITE CONDITIONS
WHY THIS TRADE PRICES HIGH
REMEDIATION CONTRACTORS WORK DIRECTLY WITH CONTAMINATED SOIL AND GROUNDWATER — CREATING REAL ENVIRONMENTAL LIABILITY IF THE WORK IS DONE INCORRECTLY OR IF CONTAMINATION SPREADS.
THE WORK IS TECHNICALLY COMPLEX AND THE CONSEQUENCES OF ERROR CAN BE SIGNIFICANT — BOTH IN CLEANUP COST AND THIRD-PARTY LIABILITY.
UNDERWRITERS VIEW REMEDIATION WORK AS ONE OF THE HIGHEST-SEVERITY CONTRACTOR CATEGORIES IN THE ENTIRE CPL MARKET.
WHAT CAN IMPROVE PRICING
CLEAR SCOPE DEFINITIONQUALITY CONTROL DOCUMENTATIONSTRONG LOSS HISTORYDETAILED PROJECT DESCRIPTIONSPROFESSIONAL CERTIFICATIONS
COST RANGE POSITION
LOWERHIGHER
REMEDIATION CONTRACTORS CONSISTENTLY FALL IN THE HIGHER END OF THE CPL PRICING SPECTRUM. A SPECIALTY BROKER WHO KNOWS THE REMEDIATION MARKET WELL IS ESSENTIAL.
SEE: ENVIRONMENTAL REMEDIATION CONTRACTOR INSURANCE →
ABATEMENT CONTRACTORS (MOLD, ASBESTOS, LEAD)
PRICING TIER: HIGHEST COMPLEXITY
PRICING INFLUENCED MOST BY: HAZARD TYPE, OCCUPIED BUILDINGS, REVENUE
WHY THIS TRADE PRICES HIGH
ASBESTOS, LEAD, AND MOLD ABATEMENT ARE AMONG THE MOST CLAIM-SENSITIVE ENVIRONMENTAL CONTRACTOR CATEGORIES. GL EXCLUSIONS FOR THESE MATERIALS ARE COMMON — MAKING CPL ESSENTIAL.
OCCUPIED BUILDING WORK DRAMATICALLY INCREASES OCCUPANT EXPOSURE CLAIM POTENTIAL, WHICH UNDERWRITERS PRICE VERY CAREFULLY.
ASBESTOS ABATEMENT SPECIFICALLY MAY REQUIRE ACCESS TO SPECIALTY MARKETS RATHER THAN STANDARD CPL CARRIERS.
WHAT CAN IMPROVE PRICING
MATERIAL-SPECIFIC SCOPE LIMITSCONTAINMENT PROTOCOLSCLEAN OCCUPANT CLAIM HISTORYLICENSING DOCUMENTATIONPROJECT TYPE CLARITY
COST RANGE POSITION
LOWERHIGHER
ASBESTOS ABATEMENT OFTEN REQUIRES SPECIALTY MARKET PLACEMENT. MOLD AND LEAD ABATEMENT CAN OFTEN BE PLACED IN STANDARD CPL MARKETS WITH GOOD DOCUMENTATION.
SEE: MOLD, ASBESTOS & LEAD ABATEMENT CONTRACTOR INSURANCE →
EXCAVATION & SITE CONTRACTORS
PRICING TIER: HIGH COMPLEXITY
PRICING INFLUENCED MOST BY: PROJECT SITE HISTORY, REVENUE, GEOGRAPHY
WHY THIS TRADE PRICES HIGH
EXCAVATION WORK DISTURBS SOIL — AND DISTURBING SOIL ON A CONTAMINATED OR FORMERLY INDUSTRIAL SITE CAN TRIGGER OR WORSEN ENVIRONMENTAL CONDITIONS THAT RESULT IN MAJOR CLEANUP AND LIABILITY CLAIMS.
PIPELINE STRIKES, UTILITY BREACHES, AND UNKNOWN UNDERGROUND CONDITIONS CREATE SUDDEN, HIGH-SEVERITY POLLUTION RELEASE SCENARIOS THAT UNDERWRITERS PRICE CAREFULLY.
WORK NEAR WATERWAYS, WETLANDS, OR OTHER SENSITIVE AREAS INCREASES PRICING PRESSURE SIGNIFICANTLY.
WHAT CAN IMPROVE PRICING
SITE HISTORY CLARITYGEOGRAPHIC DETAILPROJECT TYPE BREAKDOWNUTILITY LOCATE PROTOCOLSCLEAN LOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
EXCAVATION PRICING VARIES SIGNIFICANTLY BASED ON PROJECT SITE CONDITIONS. A CONTRACTOR WORKING ONLY ON CLEAN, GREENFIELD SITES IS PRICED VERY DIFFERENTLY FROM ONE WORKING ON BROWNFIELD OR FORMERLY INDUSTRIAL LAND.
SEE: ENVIRONMENTAL INSURANCE FOR EXCAVATION & SITE CONTRACTORS →
DEMOLITION CONTRACTORS
PRICING TIER: HIGH COMPLEXITY
PRICING INFLUENCED MOST BY: STRUCTURE TYPE, HAZMAT PRESENCE, REVENUE
WHY THIS TRADE PRICES HIGH
DEMOLITION OF OLDER STRUCTURES FREQUENTLY DISTURBS ASBESTOS, LEAD PAINT, PCB-CONTAINING MATERIALS, CONTAMINATED SOIL, AND OTHER REGULATED SUBSTANCES — EACH OF WHICH CAN CREATE MAJOR CPL CLAIMS.
DUST AND PARTICULATE MIGRATION FROM DEMOLITION SITES CAN AFFECT NEIGHBORING PROPERTIES AND OCCUPANTS — CREATING THIRD-PARTY BODILY INJURY AND PROPERTY DAMAGE CLAIMS.
THE COMBINATION OF MULTIPLE HAZARDOUS MATERIAL TYPES ON A SINGLE PROJECT MAKES DEMOLITION ONE OF THE MORE COMPLEX CPL UNDERWRITING DISCUSSIONS.
WHAT CAN IMPROVE PRICING
STRUCTURE TYPE CLARITYHAZMAT PRE-SURVEY DOCUMENTATIONDUST CONTROL PROTOCOLSABATEMENT SUBCONTRACTOR DETAILSLOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
DEMOLITION CONTRACTORS WHO CAN DOCUMENT PRE-DEMOLITION HAZMAT SURVEYS AND DESCRIBE THEIR HAZARDOUS MATERIAL HANDLING PROCEDURES CLEARLY WILL PRESENT STRONGER ACCOUNTS TO UNDERWRITERS.
SEE: POLLUTION LIABILITY INSURANCE FOR DEMOLITION CONTRACTORS →
UTILITY & INFRASTRUCTURE CONTRACTORS
PRICING TIER: HIGH COMPLEXITY
PRICING INFLUENCED MOST BY: PROJECT GEOGRAPHY, PIPELINE WORK, REVENUE
WHY THIS TRADE PRICES HIGH
UTILITY AND INFRASTRUCTURE WORK INVOLVES UNDERGROUND OPERATIONS NEAR PIPELINES, FUEL LINES, SEWER SYSTEMS, AND OTHER INFRASTRUCTURE WHERE A STRIKE OR BREACH CAN CREATE MAJOR ENVIRONMENTAL INCIDENTS.
PIPELINE INSTALLATION, TRENCHLESS OPERATIONS, AND DIRECTIONAL DRILLING CREATE SPECIFIC CPL EXPOSURES THAT UNDERWRITERS EVALUATE CAREFULLY BASED ON PROJECT TYPE AND GEOGRAPHY.
WORK IN OR NEAR WATERWAYS, WETLANDS, OR SENSITIVE ENVIRONMENTAL AREAS ADDS SIGNIFICANT PRICING PRESSURE.
WHAT CAN IMPROVE PRICING
PROJECT TYPE BREAKDOWNWATER CROSSING DETAILPIPELINE VS NON-PIPELINE SPLITGEOGRAPHIC CLARITYLOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
UTILITY CONTRACTORS WHO CAN CLEARLY SEPARATE THEIR WORK INTO LOW-SENSITIVITY AND HIGH-SENSITIVITY PROJECT TYPES WILL GIVE UNDERWRITERS WHAT THEY NEED TO PRICE THE ACCOUNT CORRECTLY.
SEE: ENVIRONMENTAL INSURANCE FOR UTILITY & INFRASTRUCTURE CONTRACTORS →
HVAC, PLUMBING & MECHANICAL CONTRACTORS
PRICING TIER: MODERATE COMPLEXITY
PRICING INFLUENCED MOST BY: REFRIGERANT WORK, REVENUE, PROJECT PROFILE
WHY CPL STILL MATTERS FOR THIS TRADE
HVAC, PLUMBING, AND MECHANICAL CONTRACTORS OFTEN WORK WITH REFRIGERANTS, PROCESS FLUIDS, FUEL SYSTEMS, AND DRAINAGE CONNECTIONS THAT CAN CREATE POLLUTION LIABILITY CLAIMS — ESPECIALLY IN COMMERCIAL AND INDUSTRIAL SETTINGS.
REFRIGERANT RELEASES, FUEL LINE CONNECTIONS, AND INDOOR AIR QUALITY ISSUES ARE THE MOST COMMON CPL CLAIM DRIVERS FOR THIS TRADE CLASS.
MANY CONTRACT REQUIREMENTS — ESPECIALLY FOR COMMERCIAL BUILDING OWNERS — ARE INCREASINGLY REQUIRING CPL FOR HVAC AND MECHANICAL CONTRACTORS.
WHAT CAN IMPROVE PRICING
REFRIGERANT HANDLING CLARITYCOMMERCIAL VS RESIDENTIAL SPLITWORK TYPE BREAKDOWNFUEL SYSTEM WORK DETAILLOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
HVAC AND MECHANICAL CONTRACTORS ARE GENERALLY IN A MODERATE PRICING TIER — BUT OPERATIONS THAT INCLUDE REFRIGERANT WORK, FUEL SYSTEMS, OR INDUSTRIAL FACILITY MECHANICAL WORK CAN PUSH PRICING MEANINGFULLY HIGHER.
SEE: CPL INSURANCE FOR HVAC, PLUMBING & MECHANICAL CONTRACTORS →
GENERAL CONTRACTORS & SITE WORK
PRICING TIER: MODERATE COMPLEXITY
PRICING INFLUENCED MOST BY: PROJECT SITES, SUBCONTRACTING, REVENUE
WHY CPL IS RELEVANT FOR THIS TRADE
GENERAL CONTRACTORS AND SITE WORK OPERATIONS OFTEN WORK ON SITES WHERE UNKNOWN ENVIRONMENTAL CONDITIONS CAN BE ENCOUNTERED — AND WHERE CLIENT CONTRACTS INCREASINGLY REQUIRE CPL.
SUBCONTRACTING RELATIONSHIPS CREATE POLLUTION EXPOSURE: IF A SUBCONTRACTOR CAUSES AN ENVIRONMENTAL INCIDENT ON A GC'S PROJECT, THE GC MAY FACE LIABILITY.
GENERAL CONTRACTORS WORKING ON SITES WITH PRIOR INDUSTRIAL USE, URBAN REDEVELOPMENT, OR BROWNFIELD CONDITIONS FACE HIGHER EXPOSURE THAN THOSE ON CLEAN GREENFIELD SITES.
WHAT CAN IMPROVE PRICING
PROJECT SITE TYPE CLARITYSUBCONTRACTOR QUALIFICATION PRACTICESGREENFIELD VS BROWNFIELD SPLITCONTRACT REQUIREMENT DETAILSLOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
GENERAL CONTRACTORS TYPICALLY FALL IN THE MODERATE PRICING RANGE — BUT A GC WHO REGULARLY WORKS ON BROWNFIELD OR FORMERLY INDUSTRIAL SITES, OR WHO HAS SIGNIFICANT SUBCONTRACTING RELATIONSHIPS, MAY NEED A MORE COMPLEX CPL PROGRAM.
SEE: POLLUTION LIABILITY INSURANCE FOR CONTRACTORS →
PESTICIDE APPLICATORS & ARBORISTS
PRICING TIER: MODERATE COMPLEXITY
PRICING INFLUENCED MOST BY: CHEMICAL PROFILE, APPLICATION SITES, REVENUE
WHY CPL IS RELEVANT FOR THIS TRADE
PESTICIDE APPLICATORS AND ARBORISTS USE REGULATED CHEMICALS THAT CAN CREATE ENVIRONMENTAL CLAIMS IF APPLIED INCORRECTLY, IN THE WRONG CONCENTRATIONS, OR IN SENSITIVE AREAS.
DRIFT INCIDENTS, OVERAPPLICATION, AND SOIL OR WATERWAY CONTAMINATION ARE THE MOST COMMON CPL CLAIM DRIVERS FOR THIS CATEGORY.
GL POLICIES FREQUENTLY EXCLUDE PESTICIDE-RELATED POLLUTION CLAIMS — MAKING CPL AN IMPORTANT PART OF THE COVERAGE STRUCTURE FOR THIS TRADE.
WHAT CAN IMPROVE PRICING
CHEMICAL PROFILE DETAILAPPLICATION SITE TYPESSENSITIVE AREA WORK DETAILAPPLICATOR LICENSINGLOSS HISTORY
COST RANGE POSITION
LOWERHIGHER
PESTICIDE APPLICATORS AND ARBORISTS TYPICALLY FALL IN THE MODERATE PRICING RANGE — BUT OPERATIONS INVOLVING HIGH-RISK CHEMICALS, SENSITIVE GEOGRAPHIC AREAS, OR LARGE COMMERCIAL APPLICATION VOLUMES MAY PUSH PRICING HIGHER.
SEE: PESTICIDE APPLICATORS & CHEMICAL LIABILITY INSURANCE →
PROJECT VS PRACTICE POLICY TOOL

DO YOU NEED A PROJECT-SPECIFIC CPL OR AN ANNUAL PRACTICE POLICY?

THIS IS ONE OF THE MOST IMPORTANT STRUCTURAL QUESTIONS IN A CPL CONVERSATION — AND IT DIRECTLY AFFECTS WHAT YOU WILL PAY. CLICK YOUR SITUATION TO SEE WHICH POLICY STRUCTURE FITS AND WHAT IT MEANS FOR YOUR COST DISCUSSION.

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PROJECT-SPECIFIC CPL

A SINGLE-PROJECT CPL POLICY IS THE RIGHT STARTING DISCUSSION

IF YOU ONLY NEED COVERAGE FOR ONE SPECIFIC PROJECT — BECAUSE A CLIENT REQUIRES IT OR BECAUSE THE PROJECT HAS A UNIQUE ENVIRONMENTAL EXPOSURE — A PROJECT-SPECIFIC CPL POLICY CAN BE THE RIGHT STRUCTURE. COST IS DRIVEN BY THE PROJECT SCOPE, DURATION, LIMITS, AND THE TYPE OF WORK BEING DONE. PROJECT-SPECIFIC POLICIES CAN BE AN EFFICIENT ANSWER — BUT IF YOU ARE DOING MULTIPLE CPL-TRIGGER PROJECTS PER YEAR, AN ANNUAL PRACTICE POLICY MAY OFFER BETTER VALUE.

PRICED BASED ON: PROJECT VALUE, DURATION, SCOPE OF WORK, AND LIMITS
BEST FOR: ONE-OFF PROJECTS WHERE CPL IS REQUIRED BY THE CONTRACT
WATCH FOR: IF YOU DO 3+ CPL PROJECTS PER YEAR, AN ANNUAL POLICY MAY COST LESS OVERALL
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ANNUAL PRACTICE CPL POLICY

AN ANNUAL PRACTICE POLICY IS ALMOST CERTAINLY THE RIGHT STRUCTURE

IF YOU ARE DOING MULTIPLE PROJECTS PER YEAR THAT TRIGGER CPL REQUIREMENTS — OR IF YOUR GENERAL OPERATIONS CREATE ONGOING POLLUTION EXPOSURE — AN ANNUAL PRACTICE CPL POLICY IS TYPICALLY MORE EFFICIENT AND MORE PROTECTIVE THAN BUYING INDIVIDUAL PROJECT-SPECIFIC POLICIES. THE ANNUAL POLICY COVERS YOUR OPERATIONS BROADLY, NOT JUST ONE PROJECT. PRICING IS DRIVEN BY YOUR REVENUE, TRADE CLASS, LIMITS, AND LOSS HISTORY.

PRICED BASED ON: REVENUE OR PAYROLL, TRADE CLASS, LIMITS, AND LOSS HISTORY
BEST FOR: CONTRACTORS WITH ONGOING OPERATIONS AND MULTIPLE CPL-TRIGGER PROJECTS
ADVANTAGE: COVERS ALL QUALIFYING PROJECTS UNDER ONE POLICY — NOT JUST ONE AT A TIME
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UNDERSTANDING WHAT THE CLIENT REQUIRES

START BY READING THE EXACT INSURANCE REQUIREMENT IN THE CONTRACT

WHEN A CLIENT REQUIRES CPL, THE CONTRACT WILL TYPICALLY SPECIFY THE MINIMUM LIMITS, THE REQUIRED COVERAGE STRUCTURE, AND WHETHER THE POLICY NEEDS TO BE PROJECT-SPECIFIC OR WHETHER AN ANNUAL PRACTICE POLICY WILL SATISFY THE REQUIREMENT. READING THE EXACT CONTRACT LANGUAGE IS THE FIRST STEP. AFTER THAT, A SPECIALTY BROKER CAN HELP YOU DETERMINE THE MOST EFFICIENT POLICY STRUCTURE — AND WHAT IT WILL COST.

FIRST STEP: GET THE EXACT INSURANCE SPECIFICATION FROM THE CONTRACT
KEY QUESTIONS: WHAT LIMITS? WHAT COVERAGE STRUCTURE? ADDITIONAL INSURED REQUIREMENTS?
COST DRIVER: THE LIMITS AND STRUCTURE REQUIRED BY THE CONTRACT — NOT WHAT YOU WOULD OTHERWISE BUY
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GL + CPL — HOW THEY WORK TOGETHER

CPL FILLS THE GAP THAT GL POLLUTION EXCLUSIONS LEAVE OPEN

MANY CONTRACTORS ASSUME THEIR GENERAL LIABILITY POLICY COVERS POLLUTION CLAIMS. IN MANY CASES, IT DOES NOT — BECAUSE MOST GL POLICIES CONTAIN POLLUTION EXCLUSIONS THAT APPLY BROADLY TO ENVIRONMENTAL CLAIM PATTERNS. CPL IS DESIGNED TO FILL THAT GAP. THE COST OF ADDING CPL DEPENDS ON YOUR TRADE AND OPERATIONS — BUT FOR CONTRACTORS WITH REAL POLLUTION EXPOSURE, THE COST OF NOT HAVING IT IS USUALLY MUCH HIGHER THAN THE PREMIUM.

GL POLLUTION EXCLUSIONS: APPLY TO MANY ENVIRONMENTAL CLAIM FACT PATTERNS
CPL: DESIGNED TO RESPOND WHERE GL DOES NOT — CLEANUP, THIRD-PARTY, DEFENSE COSTS
COST PERSPECTIVE: THE CPL PREMIUM IS OFTEN SMALL RELATIVE TO THE POTENTIAL CLAIM IT COVERS
SEE: POLLUTION LIABILITY VS GENERAL LIABILITY INSURANCE →
PRICING CLARITY BUILDER

HOW READY IS YOUR ACCOUNT FOR A GOOD CPL PRICING OUTCOME?

A BETTER SUBMISSION PRODUCES A BETTER PRICE. CHECK EVERY ITEM YOU CURRENTLY HAVE OR CAN PROVIDE — AND SEE HOW YOUR ACCOUNT READINESS LEVEL TRANSLATES INTO UNDERWRITER CONFIDENCE.

OPERATIONS CLARITY
LOSS & RISK HISTORY
PROJECT & CONTRACT DETAIL
0
/ 110
NOT STARTED
UNDERWRITER CONFIDENCE LEVEL
SELECT THE ITEMS ABOVE THAT YOU CAN PROVIDE TO SEE HOW YOUR SUBMISSION READINESS TRANSLATES INTO UNDERWRITER CONFIDENCE AND PRICING OUTCOMES.
FAQS

COMMON QUESTIONS — CPL INSURANCE COST FOR CONTRACTORS

HOW MUCH DOES CPL INSURANCE COST FOR CONTRACTORS?
IT DEPENDS ON THE TRADE, THE PROJECTS, THE LIMITS, LOSS HISTORY, AND HOW THE ACCOUNT IS PRESENTED TO UNDERWRITERS. A SMALL GENERAL CONTRACTOR NEEDING BASIC CPL FOR A SINGLE CONTRACT REQUIREMENT IS A VERY DIFFERENT DISCUSSION FROM A MID-SIZE REMEDIATION CONTRACTOR NEEDING AN ANNUAL PRACTICE POLICY WITH SIGNIFICANT LIMITS. THERE IS NO HONEST SINGLE ANSWER — BUT THE TOOLS ON THIS PAGE HELP YOU UNDERSTAND WHERE YOUR ACCOUNT IS LIKELY TO FALL.
WHICH CONTRACTORS TEND TO PAY MORE FOR CPL?
HIGHER-SEVERITY TRADES LIKE REMEDIATION, ABATEMENT, EXCAVATION, DEMOLITION, AND UTILITY WORK OFTEN FACE TOUGHER PRICING — BECAUSE THE POTENTIAL CONSEQUENCES OF A CPL CLAIM IN THESE TRADES ARE MORE SIGNIFICANT. ASBESTOS ABATEMENT OFTEN REQUIRES SPECIALTY MARKET PLACEMENT. CONTRACTORS WORKING ON CONTAMINATED SITES, NEAR WATERWAYS, OR WITH HIGH-SEVERITY HAZARDOUS MATERIALS ALSO TEND TO FACE HIGHER PRICING.
DOES A PROJECT-SPECIFIC REQUIREMENT CHANGE THE PRICE?
IT CAN. PROJECT-SPECIFIC CPL AND ANNUAL PRACTICE CPL ARE DIFFERENT DISCUSSIONS WITH DIFFERENT COST STRUCTURES. A PROJECT-SPECIFIC POLICY IS PRICED BASED ON THE PROJECT SCOPE, DURATION, LIMITS, AND WORK TYPE. AN ANNUAL PRACTICE POLICY IS PRICED BASED ON REVENUE, TRADE CLASS, LIMITS, AND LOSS HISTORY. IF A CONTRACTOR IS DOING THREE OR MORE CPL-TRIGGER PROJECTS PER YEAR, AN ANNUAL PRACTICE POLICY IS ALMOST ALWAYS MORE EFFICIENT.
DOES BETTER SUBMISSION QUALITY REALLY HELP CPL PRICING?
YES. CLEARER, STRONGER, MORE COMPLETE UNDERWRITING INFORMATION CAN MEANINGFULLY IMPROVE THE OUTCOME OF A CPL SUBMISSION. UNDERWRITERS PRICE UNCERTAINTY — AND A CONTRACTOR WHO CANNOT CLEARLY EXPLAIN WHAT THEY DO, WHERE THEY WORK, AND WHAT THEIR LOSS HISTORY LOOKS LIKE IS GIVING THE UNDERWRITER REASONS TO ADD PRICING MARGIN. A STRONG SUBMISSION REMOVES THOSE REASONS.
WHAT IS THE BEST WAY TO GET REAL CPL PRICING?
BE PRECISE ABOUT THE TRADE, THE PROJECTS, THE CONTRACT REQUIREMENTS, AND THE LIMITS NEEDED. HAVE YOUR LOSS RUNS READY. BE ABLE TO DESCRIBE YOUR OPERATIONS CLEARLY AND SPECIFICALLY. THEN WORK WITH A SPECIALTY BROKER WHO UNDERSTANDS THE CONTRACTOR POLLUTION LIABILITY MARKET AND CAN POSITION YOUR ACCOUNT CORRECTLY TO THE RIGHT UNDERWRITERS. THE COMBINATION OF A STRONG SUBMISSION AND GOOD MARKET ACCESS CONSISTENTLY PRODUCES THE BEST OUTCOMES.
CONTACT KELLY INSURANCE GROUP

GET A REALISTIC CPL INSURANCE PRICE FOR YOUR TRADE

USE THE FORM BELOW IF YOU WANT TO DISCUSS CPL PRICING FOR YOUR SPECIFIC TRADE AND OPERATIONS, UNDERSTAND WHAT A CONTRACT REQUIREMENT WILL COST, REVIEW A PROJECT-SPECIFIC VS PRACTICE POLICY DECISION, OR GET A REAL QUOTE. IF YOU WOULD RATHER TALK IMMEDIATELY, CALL / TEXT (412) 212-2800.

BOOK AN APPOINTMENT CONTACT US TODAY CALL / TEXT (412) 212-2800

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