Contractor's Pollution Liability (CPL)

• Third-party bodily injury and property damage from pollution conditions you cause
• Covers asbestos fiber release, airborne contamination, and improper disposal claims
• Legal defense costs for EPA and state enforcement actions
• On-site and off-site pollution conditions arising from abatement operations
• Transportation coverage for asbestos-containing materials (ACM) in transit to disposal
• Claims-made or occurrence forms available depending on carrier and project type

Standard GL policies often exclude pollution claims, making CPL vital for asbestos contractors. Many public contracts in Nebraska require CPL specifically.

General Liability

• Third-party bodily injury and property damage not arising from pollution conditions
• Premises liability at your office or yard
• Personal and advertising injury (libel, slander)
• Products & Completed Operations for non-pollution post-project claims
• Additional Insured endorsements for property owners and general contractors
• Primary & Noncontributory and per-project aggregate as required by contracts

GL and CPL complement each other; GL covers non-pollution risks while CPL addresses pollution-related claims. Many Nebraska contracts will require both.

Workers' Compensation & Employers Liability

• Required by Nebraska law for any business with employees
• Medical treatment and lost wages for asbestos-exposed workers
• Long-latency disease claims may arise decades after exposure
• OSHA mandates medical exams and monitoring - WC responds to related claims
• Employers Liability protects against employee suits alleging negligence

Asbestos abatement carries high Workers' Compensation rates. Accurate payroll classification and a safety program are essential for managing costs.

Commercial Auto

• Owned vehicles used on Nebraska job sites
• Liability for accidents involving company vehicles
• Physical damage for fleet vehicles
• Hired & Non-Owned Auto for employees driving personal vehicles for work
• MCS-90 endorsement if vehicles carry regulated hazardous materials

Transporting asbestos waste is regulated; ensure your auto policy covers all necessary endorsements.

Commercial Property

• Office space and equipment storage
• Abatement equipment and PPE inventory
• Business Income / Extra Expense if a covered loss occurs

Ensure limits reflect replacement costs for specialized abatement equipment.

Inland Marine / Tools & Equipment

• Portable abatement equipment at job sites
• Theft, damage, and mysterious disappearance coverage

Standard property policies may not cover equipment at client sites; Inland Marine fills this gap.

Commercial Umbrella

• Adds excess liability above GL and other policies
• Activates when a judgment exceeds underlying limits
• Required by many public-sector contracts

Umbrella policies are a cost-effective way to meet high liability limits required by contracts.

Professional Liability (E&O)

• Claims alleging errors in project management or oversight
• Failure to properly identify or remediate asbestos

If your firm provides inspection or project management services, E&O coverage is essential.

Nebraska Asbestos Certification

Nebraska requires specific certifications for asbestos abatement contractors and individual workers. Proof of insurance is necessary for compliance. Operating without certification can lead to project shutdowns and penalties.

EPA NESHAP Notification

Most demolition and renovation projects involving asbestos must be reported to the EPA or state agency at least 10 working days before work begins. Your insurance program should be in place before notification is filed.

OSHA Standards

OSHA's asbestos standard requires air monitoring, medical surveillance, and detailed recordkeeping. Compliance is both a legal obligation and an underwriting requirement.

Waste Transport & Disposal

Asbestos waste is regulated in Nebraska. Proper packaging, labeling, and disposal at approved facilities are required. Your insurance should cover off-site disposal liability.