Mold Growth from Leaks
When a plumbing contractor’s work disturbs an existing system and causes a leak, or when newly installed work develops a leak, mold can begin to grow in water-damaged materials. Leaks can originate in conveyance piping systems from blockages in piping or penetrations permitting water intrusion. Mold and fungi can damage property and cause serious illness and injury to third parties.
Legionella in Water Systems
Legionella is a bacterium that causes a form of potentially fatal pneumonia. Legionella can thrive in water-containing systems such as air conditioning, industrial water heating and water-cooling systems, safety shower and eyewash stations, pools, spas, water features, potable water plumbing, and industrial process lines. These pollutants can potentially lead to claims of severe bodily injury or high remediation costs, and plumbing contractors can be held liable if their work contributed to legionella growth.
Toxic Adhesives, Sealants & Caulks
Typical adhesives, sealants, and caulking used for installations contain pollutants such as ammonia-based compounds, alkylated benzenes, petroleum distillates, carbon black, titanium dioxide, glycols, benzoate derivatives, silica, siloxanes, naphthas, and isocyanates. These substances can volatilize during use and be inhaled by building occupants, which can cause third-party bodily injury.
Metal Fumes & Explosive Hazards from Soldering
During soldering, brazing, and welding, metal fumes are produced and released into the air, and third parties could be exposed to these fumes. Additionally, compressed welding gases, solvents, and other chemicals used by plumbers may be flammable and explosive. Leaks in cylinders, valves, or malfunctioning regulators may result in a fire or explosion at a jobsite. Fires and explosions can generate smoke and toxic fumes that impact third parties, and firefighting water or foam could create contaminated run-off.
Hazardous Waste from Jobsite Materials
Generated wastes, such as spent chemicals, solvents, cleaners, and jobsite waste, which may contain asbestos and lead, may be considered hazardous and require special disposal procedures. Contractors are responsible for determining if their wastes are considered hazardous, and improper disposal can lead to environmental tort liability and cleanup costs.
Acidic Cleaning Chemicals
Cleaners or scale removal chemicals contain one or more acids, such as sulfamic, phosphoric, or hydrochloric acid formulations, with/without surfactants or bacteriostatic agents. Fumes from these chemicals can be corrosive, toxic, or irritating. Improper storage or handling of these chemicals could result in accidental contact with incompatible materials, such as alkali materials, and result in a violent reaction, corrosive damage, or release of toxic vapors.
Chemical Spills During Storage, Transport & Use
Accidental spills and leaks of chemicals, cleaners, solvents, and adhesives at the storage location, during transportation, and at the jobsite may cause additional exposures and cleanup.
Sewer Gas & Sewage Contamination
Leaks in sewer lines may result in the migration of sewer gases into living/work areas and utility conduits. Hydrogen sulfide in gases can cause odor issues, which may be considered a pollution condition. Additionally, plumbing breaks or gaps can cause sewage leaks, and pathogens contained in sewage may infiltrate nearby subsurface utilities and drinking water wells. Persons exposed to sewer pathogens may contract hepatitis, dysentery, tetanus, cholera, or parasite infection.
VOCs, Lead & Chemical Leaching from Pipes
Volatile organic compounds (VOCs), lead, and other constituents may leach from piping, solder fluxes, sealants, pipe adhesives, pastes, etc., into fluids circulating through the pipes, causing potential harm to third parties. Some piping products can also off-gas VOCs and cause odors, which can result in third-party claims.
Mercury Spills from Regulators & Manometers
Plumbing contractors may replace mercury-containing gas regulators or use mercury-containing manometers to test natural gas lines, which could cause a mercury spill. When spilled, Mercury forms a toxic vapor, and third parties can be exposed. Cleanup and third-party bodily injury and property damage claims can result.
Disturbance of Asbestos, Lead, PCBs, or Mold
Accidental disturbance of existing asbestos, lead-based paint, PCBs, or mold during installation, repair, or renovation work could release hazardous particulates that cause serious health hazards and require environmental cleanup.
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
Natural Resource Damage
First-party emergency response costs
Sudden and accidental coverage for owned/leased locations
First and third-party transportation pollution liability
Loading and unloading
Non-owned disposal sites
Mold, legionella, bacteria, and fungi
Lead and asbestos