Waste Generation
Welding contractors can generate hazardous wastes that require special disposal procedures, including spent chemical containers, heavy-metal slag, and contaminated grinding wheels. Improper disposal can contaminate soil and groundwater, resulting in cleanup costs and environmental tort liability.
Stormwater Run-off
Grinding, cutting, and welding operations can release toxic metal dusts containing hexavalent chromium, lead, manganese, and nickel. When these particulates settle on outdoor surfaces, they can enter stormwater run-off. If the stormwater run-off is not properly controlled, contained, and pre-treated before discharge into sanitary or storm drainage systems, it could impact groundwater, surface water quality, and aquatic systems.
Modification Malfunctions
Welding contractors may make modifications to design specifications while at a jobsite. Malfunctions arising from these inputs/changes can create a direct professional responsibility for the contractor.
Mold and Fungi
Welders often work on pressurized water lines, steam systems, or fire sprinkler piping. A microscopic weld defect, leak, or joint failure can slowly release moisture behind walls or under subfloors, resulting in mold growth. Mold can disperse through the building and be absorbed by insulation and other building materials, resulting in costly remediation, third-party bodily injury claims, and disposal liabilities.
Indoor Air Quality
Performing welding modifications or repairs in occupied buildings can compromise indoor air quality by releasing hazardous fumes, including manganese, ozone, and carbon monoxide. If the area where welding operations are performed is not properly vented, or fumes are vented to areas where they are drawn into neighboring HVAC systems, third parties could be exposed, resulting in bodily injury claims.
Legionella
Modifications or extensions to potable water lines or HVAC cooling systems can result in sections of piping where water remains stagnant. This can lead to Legionella growth, a bacterium that causes a potentially fatal form of pneumonia. Exposure of third parties to Legionella-contaminated mists or vapors can result in severe health issues like Legionnaires’ disease.
Combustion and Toxic Gas Releases from Cylinder Failures
The transport, storage, and use of highly pressurized process gases, such as acetylene, oxygen, and argon, present a severe hazard. 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. Firefighting foams can contain toxic chemicals, including perfluorooctanesulfonic acid and perfluorooctanoic acid, that could create contaminated run-off.
Volatile Organic Compounds
Pre-assembly preparation and post-weld cleanup rely heavily on chemical solvents, degreasers, and anti-spatter sprays. Many of these products contain high levels of Volatile Organic Compounds (VOCs). Short-term inhalation can cause immediate respiratory tract irritation, dizziness, or nausea. Prolonged exposure can cause severe and lasting impacts, such as kidney or liver damage.
Asbestos-Containing Material
Thermal cutting, grinding, and hot work performed on older structural steel or piping can inadvertently disturb existing asbestos-containing material (ACM). This could cause an airborne release of inhalable fibers, resulting in serious health hazards or fatal diseases such as asbestosis, lung cancer, mesothelioma, and other cancers.
Lead-Based Paint
Thermal cutting, grinding, and hot work performed on older structural steel or piping can inadvertently disturb existing Lead-based paint (LBP). Lead exposure can cause significant bodily injury. Work performed on exterior structures can also result in lead leaching into the soil around the structure, creating cleanup liability.
A Combined Pollution & Professional Liability Policy 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
Sudden and accidental coverage for owned/leased locations
First and third-party transportation pollution liability
Welding contractors can combine Commercial General Liability, Contractors Pollution Liability, and Professional Liability into one package policy.
Mold, Legionella, bacteria, and fungi
Medical monitoring
Loading and unloading
Non-owned disposal sites
Civil fines and penalties
Natural resource damage