Completed Operations Pollution Coverage
Pollution claims surface after the job is done. Stay covered.
Extends pollution coverage to conditions discovered after your work is complete — the claims that emerge months or years after you've left the site.
Pollution conditions don't always announce themselves while you're on site. A contaminant introduced during the work, a coating that off-gasses, or soil disturbed during construction can surface as a claim months or even years after the job is complete. Completed operations pollution coverage extends your contractors pollution liability to those post-completion claims, matching the long tail of environmental exposure. Because environmental claims are frequently written on a claims-made basis, the structure of your retroactive date and extended reporting matters enormously — we make sure your completed-operations and reporting provisions actually cover the work you've done, not just the work you're doing now.
What's included
- Pollution coverage for conditions discovered after completion
- Matches the long tail of environmental claims
- Retroactive-date and prior-acts coverage options
- Extended reporting period (tail) options
- Coordinates with your CPL program
- Coverage for claims emerging months or years later
- Important for claims-made environmental policies
- Project or practice basis
Who it's for
- Contractors completing environmental or remediation work
- Trades whose work can cause delayed pollution conditions
- Firms with long warranty or liability tails
- Anyone carrying claims-made pollution coverage
Typical limits
Within CPL aggregate; retroactive date and extended reporting structured to your work
Claims this coverage handles
Frequently asked
Why does completed operations matter for pollution?
Environmental claims often surface long after the work is done. Without completed-operations pollution coverage — and the right retroactive date — a claim about a finished job can fall outside your policy.
What is a claims-made policy?
Most environmental coverage is claims-made: it responds to claims first made during the policy period, subject to a retroactive date. The retroactive date and any extended reporting period determine whether past work stays covered.
What is an extended reporting period?
A 'tail' that lets you report claims after the policy ends for work done during the policy period — important when you change carriers or wind down, given the long tail of pollution claims.