CONTRACTORS PROFESSIONAL & POLLUTION LIABILITY COVERAGE: A GAP-FILLING NECESSITY! By Chris Boggs Last Updated Nov 10, 2017
Coverage Part A of the Commercial General Liability (CGL) policy is limited in scope, extending coverage to claims arising out of only bodily injury (BI) and/or property damage (PD). Couple Part A's limited scope with the CGL form's absolute pollution exclusion ("f.") and expensive coverage gaps are created for most contractor risks. Contractors' Professional and Pollution Liability is the contractor's coverage solution. Often referred to as either the Contractors Pollution and Professional Insurance, the Contractor's Protective Professional Indemnity coverage, or simply "CPPI," this multi-peril form specifically addresses and closes the majority of pollution and professional liability coverage gaps resulting from the limited breadth of protection provided by Coverage Part A (these policies even address some coverage gaps in the business auto policy). Coverage Part A's Bodily Injury and Property Damage Coverage Gap Commercial general liability policies extend protection when the insured contractor's actions result in bodily injury or property damage to a third party. Obviously, NOMADIC
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