Contractors Operations, Professional and Environmental Policy (COPE) is a policy geared for a wide range of contractors including construction trades, general contractors and environmental services firms that combines contractors pollution and professional liability coverage.


Coverage Highlights:

  • Contractor’s pollution coverage on an occurrence basis. (Can also be offered on a claims made basis).
  • Optional protective indemnity insuring agreement for sub – contracted design services.
  • Occurrence pollution coverage for liability resulting from first and third party transportation.
  • Blanket time element Bodily Injury and Property Damage pollution coverage for owned, occupied, managed, leased or rented locations as well as non-owned locations.
  • Pollution coverage for Bodily Injury, Property Damage and Clean-up is available for covered locations and non – owned locations on a claims made basis.
  • Emergency response expense coverage with no sub limits.
  • Separate limit of $250,000 for crisis management expense.
  • First dollar defense costs outside the limit for occurrence coverages.
  • ADA, FHA, OSHA and rectification expense included as supplemental payment.
  • Blanket additional insureds where required by contract for contractor’s pollution.
  • Blanket waiver of subrogation where required by contract for contractor’s pollution.

Non Environmental Target Classes of Business:

  • Carpentry/Framing
  • Demolition/Dismantling
  • Dredging
  • Drilling – Oil/Gas/Water
  • Electrical
  • Excavation/Grading
  • Construction Management
  • General Contractor
  • HVAC/Mechanical  
  • Industrial Cleaning
  • Masonry/Concrete
  • Marine Construction
  • Oil & Gas Well Servicing
  • Painting/Coatings Application
  • Pesticide/Herbicide/Fertilizer Application
  • Pipeline/Railroad Construction or Maintenance
  • Plumbing
  • Residential Builders/Developers
  • Restoration Contractors – Nonresidential
  • Roofing/Insulation
  • Steel Erection
  • Street & Road Contractors

Environmental Target Classes of Business:

  • Environmental engineering
  • Environmental consulting
  • Underground Storage Tank/Aboveground Storage Tank installation, removal and maintenance
  • Industrial cleaning and restoration
  • Environmental construction
  • Emergency response clean-up
  • Phase I and Phase II
  • Barrier and liner construction
  • Mobile treatment, recycling
  • Wetland contracting
  • Drilling and sampling
  • Environmental demolition and abatement
  • Asbestos/lead abatement
  • Environmental lab analysis/lab packing
  • Indoor air quality sampling
  • Health and safety training and consulting
  • Mold inspecting and remediation
  • Fire/water/accident/disaster restoration contracting
  • Waste brokering
  • Geology/hydrogeology consulting or mapping
  • Septic contracting, cleaning and maintenance
  • PCB clean up
  • Alternative energy contractors
  • Dredging


Minimum premium $10,000