Are You Protected From Pollution Damages?

BlueprintsPollution Liability Insurance

As an independent contractor, you may think that you can save some money by skipping out on certain types of business insurance policies. While this may be true for some coverage options, it is important to make sure that you know how to protect yourself from any claims that you may have to deal with, including pollution liability.

Pollution liability insurance will provide protection for any damage that is caused by hazardous waste materials. Any business that produces any amount of hazardous waste emissions during manufacturing needs to invest in the right pollution liability insurance policy. The policy will provide coverage for property damage claims, bodily injury claims, and cleanup costs that are associated with any contamination.

Before the mid-1980s, standard commercial general liability insurance policies provided coverage for pollution liability. However, many insurance companies began to specifically exclude pollution liability with general liability insurance policies, making it necessary to invest in a specific policy. As an independent contractor, you will most likely find that many jobs will require that you have a pollution liability insurance policy and will have to show proof of your coverage before you can start on the job.

Pollution liability insurance policies will cover any claims that are made by third parties against both bodily injury and property damage that is caused when hazardous waste materials are released during business operations. It will not only provide coverage during the work process, but also for any finished work that you have done. This means that if there is a problem in the future with any work that you had done, it will still be covered.

For all of your commercial insurance policy needs and to ensure that you have the right amount of coverage, contact the insurance professionals at Desert Empire Insurance in Palm Desert, California.