Monoline Coverage
Contractors Pollution Liability
Pollution coverage for artisan contractors with compliance-ready quotes in minutes.
Most requests for CPL arrive on a deadline
A general contractor reviews a certificate, finds no pollution coverage, and either the contractor is not allowed on the job site, the job stops, or the artisan contractor loses the contract.
Some trades know this is coming and carry the coverage as a matter of course. Others are asked for it the first time on a job they have already bid. Either way, the answer needs to be as close to instantly as possible.
Comeryx quotes monoline CPL in minutes. Occurrence-based, on our own coverage form, backed by an A+ XV rated carrier.
Coverage
What's Covered
Contractors pollution liability, occurrence-based
- Supplementary payments
- Transportation pollution liability, 1st and 3rd party
- Blanket additional insured for ongoing and completed operations
- Non-owned disposal site liability
- Microbial substances
- Broad definition of pollutants
- Natural resource damages
- Emergency response
- Crisis management
- Defense outside with No-Cap
Need general liability on the same account? See our combined GL & CPL policy.
Explore the combined policyPolicy Structure
Practice Policy
A practice policy covers all of your client's projects in a year rather than requiring a separate GL and/or CPL policy for each one. For a contractor running several jobs a year, they have one policy and one renewal, removing the friction and additional cost of needing individual policies per project.
The Small Account Problem
Why Brokers Send Us Submissions
Small accounts wait. They sit while larger premiums and urgent broker requests move to the front of the underwriting desk. About half of small artisan contractor accounts never get an answer at all.
The underlying risk has not been the problem. Desk underwriting a $3,000 account costs more for the broker and the insurance carrier than the premium can justify, so it simply gets ignored.
Comeryx has made it fast and easy to work with small accounts while offering coverage you would expect for larger accounts. At Comeryx, every submission gets an answer — a quote, a declination, or a notice that an underwriter has it. And that $3,000 account gets the same underwriting discipline and rigor as a $300,000 one.
Process
How it Works
- Step 1
Send what you have
Email us the documents you have (no need to have your insured complete another supplemental), submit through our broker portal, or connect directly through our API. We take submissions in any format, including ACORD forms and supplementals prepared for another market.
- Step 2
Get a bindable quote in minutes
The decision engine ingests the submission, enriches it, applies our underwriting rules, and returns a quote. It’s a firm quote you can take to your retail agent.
- Step 3
Bind and receive the policy the same day
The policy is issued at bind rather than weeks later, so you and your retail agent can review it and provide it to your insured immediately.
Consistency
Underwriting You Can Count On
Our decision engine was designed by analytics experts and underwriters who have spent their careers in E&S specialty lines and commercial insurance.
Our appetite is written into our technology platform, and it does not change based on underwriter discretion. This means you will receive a consistent underwriting decision every time for risks with the exact same inputs. Every decision is logged along with the reasoning behind it, delivering a seamless and consistent experience.
Get Appointed
Comeryx distributes exclusively through appointed E&S licensed wholesale brokers. Contact us to start the appointment process.
Contact Us