Effective April 22, 2010, the Environmental Protection Agency requires contractors performing renovation, repair and painting projects that disturb lead-based paint in homes, child care facilities, and schools built before 1978 to be certified. They must follow specific work practices to prevent lead contamination. Common renovation activities like sanding, cutting, and demolition often release hazardous lead dust and chips by disturbing lead-based paint, which can be harmful to adults and children. 

The new EPA rule exposes contractors to increased liability that is not covered in general liability policies. The EPA rule does not mandate insurance for contractors, but contractors will have a major pollution exposure due to this new rule.

For more information regarding Oregon’s specific requirements for contractors licensed in Oregon, go to http://oregon.gov/DHS/ph/lead/Renovation_Repair_Painting_Rule.shtml.

Pollution Liability Insurance provides coverage for traditional pollution related exposures for artisan contractors and those who perform renovation, repair and painting operations that could disturb lead paint and other pollutants.Contractors face many pollution risks stemming from operations at their job sites. Their operations may produce air contamination, soil contamination, or water contamination. Pollution risks include contaminated soil or materials disposal, handling of asbestos and lead, and the accidental release of fuel oil, chemicals and toxic gases from broken pipelines, utilities, and stationary and mobile fuel tanks.

Pollution Liability insurance covers a broad spectrum of pollutants, including smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, hazardous substances, petroleum hydrocarbons, low level radioactive materials, electromagnetic fields, and hazardous waste materials.

Coverage limits available are:

$250,000 each incident / $250,000 aggregate

$500,000 each incident / $500,000 aggregate

$1,000,000 each incident / $1,000,000 aggregate

$1,000,000 each incident / $2,000,000 aggregate

Deductibles available are $250, $500, $1,000, $2,500, $5,000.

Minimum premiums start as low as $300. 

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If you have questions concerning this information, please call us at 503-620-0230, or come in.

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