Combined Policy

General Liability and Contractors Pollution Liability

Two coverages, one policy, one carrier.

Quoted in Minutes, Bindable as Proposed

Comeryx writes both coverages on a single policy from a single carrier. General liability is on standard ISO coverage forms, for speed and ease. Pollution liability carries the substance that meets a general contractor's requirements. Durable coverage, quoted instantly.

Coverage

What's Covered

Commercial general liability, occurrence-based on standard ISO coverage forms

Bodily injury and property damage
Personal and advertising injury
Products and completed operations
Medical payments and damage to premises rented to you
Additional insureds (CG2010 & CG2037)
Primary & non-contributory
Waivers of subrogation
Per project aggregate
Employers liability stop gap coverage

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 a monoline CPL policy?

Explore the monoline CPL policy

Policy 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.