Professional Liability (E&O) for remediation contractors

Yes — under professional liability. A Phase II assessment that misses a recognized environmental condition (REC), uses inadequate sampling protocols, or fails to identify contamination that later surfaces creates professional liability exposure. E&O covers defense costs and damages from those errors.

If your P&T system design was flawed or your scope of work promised specific cleanup outcomes that weren't achieved, professional liability covers the resulting claims. Design errors, underperformance claims, and failure to achieve regulatory closure are all professional liability matters.

Almost all professional liability is written on a claims-made basis — meaning the claim must be made during the policy period. The retroactive date is critical. We set it to match your actual consulting history so prior project claims are covered.

ASTM E1527 is the standard practice for Phase I Environmental Site Assessments. Failure to follow the standard in a Phase I — missing RECs, inadequate records review, shortcuts in the process — can create professional liability claims. Coverage applies to claims arising from those failures.

Cost is driven by project types, annual revenue, crew size, states you work in, CPL limits required, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes remediation programs nationwide — Texas, California, the Northeast, Midwest, Mountain States, and everywhere environmental remediation contractors operate.

Typically 15 minutes on a call. Larger or more complex programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S environmental markets for contractors declined over prior contamination losses, regulatory actions, or high-hazard project types. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier to manage at claim time and certificate issuance.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A+ where possible) carriers so the coverage is there when a contamination claim, regulatory action, or Superfund cost recovery hits.

Yes. Superfund NCP projects have specific CPL, GL, and umbrella requirements. We work with specialty environmental markets that understand CERCLA contractor risk and can meet the specific limit and coverage requirements of NCP contracts.

Project types (soil cleanup, UST removal, hazmat, brownfield), annual revenue, crew size and HAZWOPER training status, states you work in, vehicles, current coverage and CPL retroactive date, and loss history. The more detail, the more accurate the quote.

Your CPL and GL cover your own operations. Subcontractors should carry their own CPL and GL — and your contract should require it. We help structure blanket additional insured requirements and review subcontractor coverage requirements for your projects.

Yes. If you design remedial action plans, conduct Phase I or Phase II assessments, provide remediation consulting, or give technical recommendations, professional liability (E&O) covers errors in those services. It's separate from CPL and GL.

Occurrence CPL covers incidents that occur during the policy period, regardless of when the claim is made. Claims-made CPL covers claims made during the policy period for incidents that occurred after the retroactive date. Most CPL is written on a claims-made basis. The retroactive date selection is critical.

Yes. If you work on multiple sites simultaneously, use subcontractors, or need blanket additional insured for PRPs and property owners, we build one coordinated program covering all locations and projects with no gaps.

Commercial umbrella sits above your GL, CPL, and commercial auto policies — providing excess limits when a primary policy limit is exhausted. Many Superfund NCP contracts and government environmental remediation agreements require combined limits that need an umbrella to achieve.

Yes. We understand the specific COI requirements for remediation contracts — additional insured endorsements, waiver of subrogation, specific limit requirements, and CPL endorsements. We issue certificates quickly and correctly.