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Environmental - Contractors Operations and Professional Services

The Contractor Operations and Professional Services (COPS) policy addresses the pollution and professional liability exposures of full-service environmental firms.  Coverage combines Contractors Pollution Liability (CPL) and Errors and Omissions (E&O) insurance in one form to minimise potential gaps and overlaps in coverage.

This targeted insurance provides environmental contractors who perform both field operations and professional services with exceptionally comprehensive protection.

The COPS policy covers:

  • Third-party bodily injury and property damage claims arising from a pollution release during covered operations.
  • Clean-up costs for pollution conditions arising out of covered operations.
  • Third-party bodily injury and property damage claims arising from the insured’s negligent acts, errors or omissions in the course of rendering professional services.
  • Contractual liability coverage for the actions of sub-contractors.


  • Prior acts coverage may be available if the insured has been continuously covered on a claims-made basis.
  • Broad claims reporting provisions available for damage incurred during the policy period.
  • E&O coverage is available on a claims-made-and-reported basis.


Coverage is designed expressly for environmental contractors, including:

  • Environmental remediation firms.
  • Environmental consultants.
  • Engineering firms, exclusively environmental-focused or multi-discipline.
  • Engineering firms with multi-discipline work including various non-environmental engineering activities.