NWC Alliance Construction Risk

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Pollution & Professional Liability Coverage

By keeping a diverse set of specialized carriers, WISE is able to consistently deliver affordable solutions.-5

Too many times claims can be denied by general liability policies for issues involving forms of pollution or professional liability.  Most agents and brokers can obtain the coverage and can face their own errors and omissions issues by not offering coverage to supplement their general liability coverage to contractors.  Admittedly, such coverage for residential construction is hard to come by…until now.

WISE has partnered with multiple A rated insurers to address the pollution and professional exposures now facing the construction industry. With affordable, broad coverage options for both commercial and residential construction, claims denials will be minimized and builders and contractors can stay in business while confidently taking on work they may otherwise turn away.

What are some examples where such coverage could apply?.. Flip the card to find out

How can some general liability exclusions be remedied? 

f. Pollution (1) "Bodily Injury" or "Property Damage" arising out of the actual, alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of "pollutants" and various added languages

m. Damage to impaired property or property not physically injured "Property Damage" to "Impaired Property" or property that has not been physically injured, arising out of:

(1) A defect, deficiency, inadequacy or dangerous condition in "Your Product" or "Your Work," or

(2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. 

This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "Your Product" or "Your Work" after it has been put to its intended use.

n. Recall of Product, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal, or disposal of:

(1) "Your Product"

(2) "Your Work, or

(3) Impaired Property", 

if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy, or dangerous condition in it.

Wise has successfully quoted and bound these types of policies for various kinds of commercial and residential builders and trades. Even large tract or multi family builders can be eligible. WISE doesn't require placement of the general liability coverage to quote or bind these crucial coverage's. The application process can be as simple as the same documents used for a general liability submission.