Contractors Professional + Environmental (CPEO) Coverage
When the claim blurs the line between a mistake and a spill.
Combines contractors professional liability with environmental coverage — for design-build, consulting, and environmental firms whose errors and pollution exposures overlap.
Many environmental, design-build, and consulting contractors carry both professional and pollution exposure — and claims often blur the line between the two. Was the loss caused by a professional error (a flawed remediation plan, a bad design) or a pollution condition (the contamination itself)? A combined contractors professional and pollution (CPEO) policy answers both, so a claim doesn't fall into the gap between a professional liability policy and a pollution policy. It covers professional liability for your design, engineering, consulting, or oversight services alongside contractors pollution liability for the environmental exposure — one coordinated policy for firms whose work is both technical and environmental.
What's included
- Professional liability for design, consulting, and oversight
- Contractors pollution liability in the same policy
- Closes the gap between professional and pollution claims
- Coverage for remediation design and environmental services
- Legal defense across both exposures
- Built for design-build and environmental firms
- Project or practice basis
- Coordinated limits and single point of contact
Who it's for
- Environmental consulting and remediation firms
- Design-build contractors
- Engineering and geotechnical service providers
- Contractors offering technical or oversight services
Typical limits
Combined professional + pollution limits, commonly $1M–$5M; project or practice
Claims this coverage handles
Frequently asked
What is CPEO coverage?
Contractors Professional + Environmental — a combined policy covering both professional liability (errors in your design/consulting/oversight) and contractors pollution liability (environmental exposure) so claims don't fall into the gap between two separate policies.
Who needs it?
Environmental, remediation, design-build, and consulting firms whose work is both technical and environmental — where a single claim can implicate both a professional error and a pollution condition.
Why not just buy two separate policies?
Separate professional and pollution policies can each deny a blended claim by pointing at the other. A combined CPEO policy is designed to respond across both exposures.