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The program grew out of an early 1990's lead abatement program sponsored for HUD grantees by the Highpoint Housing Authority in North Carolina. It provided the pollutant specific coverage, as opposed to full pollution, for the contractors and the unit owners for abatement being done with a HUD grant.

Since the inception of the program in 1991, abatement coverage has become freely available and virtually all licensed abatement contractors have a policy form that includes broad spectrum pollution coverage (that is, not limited to a specific pollutant). Yet federal guidelines have not changed which recommends that grantees purchase the insurance. In fact grantees are allowed to report the cost in the grant. The main reason for this is the grantee is insured , along with the unit owner (if different from the grantee), and the contractor.


There is a modified contractor’s pollution liability policy. It provides occurrence coverage to give completed operations for up to one year after the policy expires on jobs completed during the policy period. The policy may be written on a stand alone pollution policy or it may include General Liability. Only named pollutants are covered. (i.e.: Lead, Asbestos, PCB's etc.). Defense cost is outside the limit.

The policy is written to run concurrent with the grant, and therefore is usually multiple years, but the aggregate limit is for the policy term, not an annual aggregate per ISO language are available, for an additional charge of 10%. It is common to have the policy period to read: from x/x/00 - x/x/00, or until 100 units are abated under Grant number XXXX, which ever occurs first.


CIG has appointed Legends Environmental Insurance Services as the exclusive broker for the program. Bill Lohman has been involved with placing Environmental Insurance Coverage's since 1986 and has a national reputation in the Environmental Marketplace, contact him today for more information.

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