Solvents
Commercial cleaners, scalers, and solvents contain chemicals and acids that, if improperly mixed or used, can leave behind residues that impact human health by dermal contact or inhalation. Mixing incompatible chemicals can cause off-gassing of Volatile Organic Compounds (VOCs) and release toxic vapors that pose an inhalation hazard to third parties.
Hazardous Gas or Fumes
Stored chemical supplies are often in concentrated form. Because of this, leaks from containers that are incompatible or reactive may cause a release of hazardous gas or fumes (such as hydrogen chloride or ammonia) or generate enough heat to cause combustible materials to catch fire.
Chemical Storage
Chemical storage container breaches, leaks, and spills caused during the transportation to and from jobsites and loading and unloading could create cleanup liability or run-off that can cause ground and water contamination.
Wastewater Management
Wastewater recovered and stored in holding tanks or containers 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. Releases to a stormwater drain inlet, ditch, or spills during loading and unloading operations or transportation may damage a private septic system, drinking water wells, soil, or groundwater. Releases to a stormwater system can lead to natural resource damage.
Biohazard and Medical Waste
Improperly stored, handled, or disposed of medical waste could expose third parties to biohazards and infectious contaminants. Regulated medical waste must be bagged appropriately, sterilized, and taken to an approved and licensed disposal facility.
Waste Management
Collected waste must be properly characterized and segregated based on its type and associated hazards. Wastes collected can contain hazardous materials or materials that require special handling and disposal procedures, and improperly segregated and disposed of wastes can result in regulatory fines or lead to cleanup and environmental tort liability. Wastes can include fluorescent light fixture ballasts, fluorescent light tubes and bulbs, neon bulbs, and e-waste such as computer monitors, printers, microwave ovens, and communication equipment, which may contain heavy metals such as lead, mercury, chromium, and cadmium.
Asbestos
Maintenance or repair work may inadvertently disturb existing asbestos within the structure. Asbestos can be found in many commercial and industrial applications, including ceiling and floor tiles, inside wall cavities, heating duct installation, and roofing materials. Disturbance could release inhalable asbestos fibers that can infiltrate the air and expose third parties to serious health hazards or fatal diseases such as asbestosis, mesothelioma, or lung cancer.
Lead-based Paint
Older structures may have lead-based paint. This paint may be dislodged and release lead particulates into the surrounding environment during the removal, repair, or cleaning of painted building materials. Lead exposure can cause significant bodily injury, including brain damage, nervous system problems, learning disabilities, reproductive issues (including miscarriage or stillbirth), digestive issues, and muscle and joint pain, with children being especially susceptible.
Pest Infestation Risks
Failure to adequately clean and maintain buildings or remove wastes can attract pests, such as rodents and insects, that deposit allergenic material (dander) or carry disease-causing pathogens in droppings or saliva.
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
Natural resource damage
Sudden and accidental coverage for owned/leased locations, particularly storing of cleaning chemicals
First and third-party transportation pollution liability
Mold, legionella, bacteria, and fungi
Lead and asbestos Loading and unloading
Non-owned disposal sites