Construction sites impact the environment whether through the work done or by revealing issues not known before. While general liability insurance helps cover some of your liabilities, without a pollution liability policy, you could have a gap in coverage. The common pollutants affect water, soil, and air.
Rain and the used water from the construction site can run off and pool contaminating local water sources such as lakes and rivers or absorb into the soil and enter the groundwater. Toxic chemicals, diesel, cement, glues, and paints are commonly used at the construction site and easily transport in water runoff.
Both water and air pollution can leave behind contaminants in the soil around and at the site of construction. Over time, those pollutants can accumulate and pose additional risk for the local populace including invading the groundwater.
Even if the area isn’t windy, the air can pick up contaminants from the construction site and transfer them quickly to large areas. Nitrogen oxides, carbon monoxide, and carbon dioxide are common gases found at construction sites that can negatively impact the surrounding population. VOCs from certain paints can contribute to air pollution.
The nature of construction impacts the environment putting your business at risk. A pollution liability policy covers pollution-related injuries and damage not covered by your general liability insurance.