Contractor’s Pollution

The Pollution Liability policies provide protection needed to pay damages on behalf of the Insured for any loss that an Insured is legally obligated to pay as a result of a “pollution event resulting from the Insured’s products or operations. A “pollution event” includes discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or watercourse or body of water.The Pollution Liability policies are written on a claims-made form.  This means that the policy only covers claims made against the insured during the policy term.  A claim made after the policy expires is not covered by a claims-made policy unless an extended reporting period covers the claim. 

The Contractor’s Pollution Liability policy will pay on behalf of the Insured any loss that the Insured is legally obligated to pay as a result of Environmental Impairment resulting from the Insured’s Covered and/or Completed Operations.

Covered Operations means those activities conducted by the insured and defined in the application or on the Declarations page of the policy.  Completed Operations covers damages occurring after operations have been completed or abandoned, or, after an item is installed or built and released for its intended purpose.

In addition to Operations, coverage may be provided under this policy for injury or damages arising out of goods or products distributed or sold by the Named Insured.

Please contact STICO Mutual for more information on additional coverages and endorsements in this policy.


  • " As the evolution of insurance market continues to change and affect our businesses, STICO's willingness to recognize these changes and adapt in a positive manner has allowed us to feel confident in our decision to trust STICO as our general and pollution liability insurance partner."
  • "STICO Mutual has excellent industry knowledge. Coverages and claims management are innovative and industry-specific."
  • "STICO Mutual remains relevant to our business because they know our business."
  • "I know our company has benefited on more than one occasion because of the prompt expert response."
  • "STICO stays relevant because they continue to search out and offer new services meaningful to our industry."
  • "STICO has kept our premiums stable and very competitive, especially when you consider the dividends."
  • "During the past 20+ years, STICO has expanded the insurance offering to handle more of our insurance needs."
  • "We also are in the petroleum equipment business and operate a sales, installation and service business serving the needs of owners of motor fueling systems. STICO has again developed specialized insurance that meets the unique needs of this industry."
  • "STICO actively manages claims professionally and keeping us involved in the process to get a resolution in a timely and cost efficient manner. There is never a time that we do not know the status of a claim and the steps being taken to resolve it."
  • "With knowing and understanding the risk of this industry, STICO has developed programs for increasing levels of limits in a cost effective manner that provides a level of protection needed today. "
  • "Industry focus has kept STICO relevant for over 20 years."
  • "For the more common insurable exposures, a number of fine companies offer good coverage at equitable cost . My challenge is to find the right underwriter and adjuster for the higher risk (actual or perceived) exposures. STICO's tight focus, deep understanding, solid commitment, competitive cost and proven results meet this challenge. "
  • "Insurance is not a commodity - it is a valuable, sometimes critical, transfer of risk and promise of service. Within its area of expertise, STICO delivers, making it a dependable resource, for me and for my clients."