CPL Policy Review Checklist

Business: ________________ Trade or work type: ________________ Project: ________________ Project state: ________________ Policy type: ________________ Quote or policy: ________________ Review date: ________________

Contract requirement to compare against: ________________

Use this checklist to compare the quote, policy form, endorsements, and contract language. A certificate of insurance shows evidence of coverage, but the policy and endorsements decide what coverage applies.

• Contractors pollution liability applies to pollution conditions from your contracting operations.
• The policy addresses third-party bodily injury and property damage from covered pollution conditions.
• Cleanup or remediation costs are included when the contract requires them.
• Emergency response or emergency remediation costs are included, or the quote clearly excludes them.
• Pollution conditions caused by subcontractors working on your behalf are addressed.
• Completed operations coverage or an extended reporting period matches the contract requirement.
• The policy is project-specific, annual, blanket, or combined professional and pollution as needed for the job.
• Owned or leased locations, yards, and stored materials are addressed if the job or business needs them.

Notes: ____________________________________________________________ ____________________________________________________________

• Mold, fungi, mildew, bacteria, and microbial matter are included, excluded, or sublimited in a way that fits the work.
• Legionella or bacteria wording is reviewed if plumbing, HVAC, water intrusion, or building systems are part of the job.
• Naturally occurring hazardous substances are reviewed, including asbestos, silica, lead, mercury, arsenic, radon, and similar materials.
• Silica, asbestos, lead, welding fume, and hazardous fume exclusions are checked against the work.
• The policy definition of pollution condition is broad enough for the contract and work description.
• Known conditions, prior incidents, prior claims, and excluded substances are reviewed with the carrier.

Notes: ____________________________________________________________ ____________________________________________________________

• Transportation pollution is included if your business moves waste, fuel, chemicals, pollutants, contaminated soil, or regulated material.
• Loading and unloading are addressed if materials are moved to or from job sites, vehicles, containers, or disposal facilities.
• Non-owned disposal site liability is included if waste or contaminated materials may be taken to a disposal site you do not own.
• Disposal manifests, subcontractor hauling arrangements, and disposal site requirements are consistent with the policy terms.
• Auto liability and transportation pollution wording are reviewed together when a spill could involve a vehicle.

Notes: ____________________________________________________________ ____________________________________________________________

• Required limits and aggregate limits match the contract or are documented for review.
• Deductible or self-insured retention terms are acceptable under the contract.
• Defense costs are inside limits or outside limits, and the effect on available limits is understood.
• Retroactive date is early enough for the work and any prior services the policy is expected to address.
• Additional insured wording is available if the contract requires it.
• Waiver of subrogation wording is available if the contract requires it.
• Primary and noncontributory wording is available if the contract requires it.
• The certificate holder name, project name, job address, and policy dates can be shown correctly on the certificate of insurance.
• Subcontractor flow-down requirements are reviewed if your contract requires subcontractors to carry pollution coverage.

Notes: ____________________________________________________________ ____________________________________________________________

Use this section for items to confirm before binding coverage.