Lab Packing Chemicals
Emergency response contractors may be required to lab pack chemicals during cleanup actions. Improper segregation or characterization of chemicals could result in incompatible wastes, such as oxidizers, acids, and flammables, being packed together and causing a reaction, a release, or a fire.
Site Decontamination
During emergency response cleanup, failure to properly seal off, clean up and decontaminate a jobsite or failure to properly use equipment could cause a release of contaminants into areas previously unaffected or leave residual pollutants that can lead to further contamination in soil and groundwater or claims for third-party liability.
Improper Waste Disposal
During an emergency response cleanup, hazardous materials and waste require proper handling and disposal procedures. Collected wastes must be properly characterized and segregated based on their type and associated hazards. Hazardous wastes or materials that require special disposal procedures could be mixed with non-hazardous wastes and improperly disposed of. Improperly segregated and disposed of wastes can result in regulatory fines or lead to cleanup and environmental tort liability. When an investigation for improper disposal occurs at a disposal facility, it can result in potential liability for all parties that manifested waste into the facility.
Waste Handling and Transportation
Waste container breaches or improper handling of hazardous waste may result in releases at the jobsite or storage location. Releases can also occur during loading and unloading operations and transportation to and from the jobsite to a disposal facility or storage location. During the cleanup of hazardous and non-hazardous materials, emergency response cleanup contractors may be required to transport and store this waste at their site or temporary storage facilities pending final disposal.
Chemical Application
At sites where emergency response activities are to be conducted, contractors may store, transport and use hazardous chemicals, disinfectants, deodorizers, and fungicides. Spills or leaks of these materials during storage, transporting, or loading and unloading operations can lead to cleanup liability for the contractor. At the cleanup site, chemicals used at improper application rates or concentrations, combined with other chemicals or incorrect delivery systems, can leave residues inside buildings, impacting human health by direct surface contact, inhalation, or can collect in run-off from outside surfaces.
Chemical Storage
Stored stock supplies, including chemicals used to clean and disinfect sites, are often in concentrated form. Container leaks of incompatible or reactive materials may cause a release of toxic gas or fumes (such as hydrogen chloride or ammonia) or generate enough heat for the combustion of nearby burnable materials.
Equipment Maintenance and Refueling
Equipment used during emergency response operations may be powered by diesel fuel and require petroleum-based hydraulic fluids and lubricants. Spills and leaks might occur during refueling or maintenance, contaminating jobsite soils and the business equipment yard.
Spill Containment
Fuel and chemical spills must be contained and cleaned up. Emergency response contractors may use sorbents, booms, socks, or spill pads when containing spills. Vacuum trucks may be used to recover liquid products. Waste materials recovered or generated at spill sites must be properly characterized and disposed of.
Wastewater Management and Run-off
Wastewater generated at work sites from wet solution cleaning procedures can contain contaminants such as silts, detergents, oil/grease, solvents, pathogens, biohazards, molds and mold spores, bacteria, flame retardants, and other toxic chemicals. Wastewater from these operations can create migratory pathways for contamination to flow on or off-site if recapture methods are not in place or the wastewater flows beyond recapture points. Releases may damage a private septic system, drinking water well, soil, or groundwater. Releases to a stormwater drain inlet or ditch may contaminate surface water and harm natural resources.
Wash Water Containment and Disposal
Untreated wash water generated from cleaning emergency response equipment and personal protective gear must be properly managed, contained, and disposed of to prevent it from being discharged into the sanitary sewer system and potentially contaminating and damaging the downstream wastewater treatment plant.
Remediation and Abatement Failures
Improper identification or the failure to completely identify and remove all contamination may result in inadequate recommendations and remedial actions, resulting in the spread of contaminants, residual hazards from incomplete abatement, additional remediation, tort liability, punitive damages, fines, and regulatory violations.
Contractors Pollution Liability Can Provide Coverage For
Contracting operations completed “by or on behalf of” the insured
Contracting operations performed at a jobsite
Third-party claims for bodily injury and property damage
Third-party claims for cleanup
Defense of third-party claims
First-party emergency response costs
Lead and asbestos
Mold, legionella, bacteria, and more
Natural resource damage
First and third-party transportation pollution liability
Loading and unloading
Non-owned disposal sites
Civil fines and penalties
Sudden and accidental coverage for owned/leased locations
Emergency response cleanup contractors may be able to combine Commercial General Liability, Contractors Pollution Liability, and Professional Liability into one package policy. Worker’s Compensation and Auto may also be offered.