Contractor Environmental & Professional Coverage (CEPC)

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Contractor Environmental & Professional Coverage (CEPC)

Contractors' Environmental and Professional Coverage (CEPC) provides comprehensive environmental and professional protection for the following types of firms: Construction Managers, General Contractors, Trade and Specialty Contractors and Environmental Service Firms. CEPC protects the insured from claims for loss from acts, errors or omissions committed by the insured during their performance of Professional Services, and environmental liability coverage for contracting operations performed by the insured or on their behalf, transportation of waste or materials to and from a project site or yards, disposal and recycling of waste or materials from their jobs sites or yards, and their owned or leased locations.

  • Remediation (discovery and 3rd party triggers)
  • Third Party Bodily Injury and Property Damage
  • Transportation
  • Contracting Operations Environmental Liability available on a claims-made or occurrence basis
  • Shop/Yard Location coverage
  • Non-owned Location coverage (for disposal sites)
  • Image Restoration
  • Emergency Expense
  • Mold coverage available on a claims-made or occurrence basis
  • Illicit Abandonment
  • Clean-up to "Environmental Professional" Standard
  • Broad Named Insured wording
  • Definition of Construction Management Services
  • Asbestos and Lead exclusion only applies to Your Insured Location
  • Automatic 90 Day Extended Reporting Period
  • Blanket Waiver of Subrogation for your Client and any Entity
  • 90 Day Cancellation Notice , 10 days for Non-Payment of Premium
  • Primary and Non-contributory for both Professional and Contractors Pollution coverage
  • Blanket Additional Insured for Coverage B. (Contracting Operations) applies to any Entity, not Client
  • Emergency Expenses – Insured has 72 hours Discovery and incurs Emergency Expenses within 7 days after Contamination First Commenced
  • Additional Defense, Protective, Mitigation and Rectification coverages are available

Quick Reference Guides

Claim Scenarios

Target Classes

  • General Contractors
  • Construction Managers
  • Environmental Contractors
  • Environmental Consultants
  • Trade / Artisan Contractors


Supplemental Applications

Documents Required for Proposal

  • Completed and signed CEPC application or competitor's application
  • Last 3 years of Environmental and Professional loss runs, if none, then 3 years of GL loss runs

Policy Forms

Restricted Classes

  • Greater than 25% Design / Build Contractors
  • Architectural Design
  • Structural Engineers
  • Geotechnical Engineers
  • Civil Engineers
  • Drilling and Production of Oil and Natural Gas including Fracking
  • Single Family Home Construction
  • Sole Practitioners