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Contractor Pollution Liability Healthcare Owner-Controlled Insurance Policy

The CPL Healthcare Owner-Controlled Insurance Policy (OCIP) is designed for healthcare owners to address specific environmental exposures associated with new construction and/or renovation work.  


  • Specifically designed coverage for healthcare exposures
  • CPL insurance to help fill pollution coverage gaps contained in a standard general liability program
  • Coverage for costs associated with securing the scene following a catastrophe management event, along with costs for retaining a qualified public relations or crisis communications firm
  • Experience underwriting specialists across the U.S.
  • Broad range of services available through national network of best-in-class engineering consultants, including environmental risk control experts from ESIS, Inc.®
  • Financial Strength: ACE consistently receives among the highest ratings for financial strength from the industry's principal rating agencies


  • Occurrence based trigger for CPL coverage part
  • Multiple insuring agreements including:
    • Catastrophic Management Costs
    • Decontamination Costs
    • Emergency Response Costs
  • Built in coverage for mold and bacteria with Certified Industrial Hygienist language
  • Blanket Non-Owned Disposal Sites coverage
  • No state-specific jurisdiction and venue/choice of law provision
  • Coverage extension for all contractors of all tiers involved on the covered project
  • Coverage for identified supplementary payments



  • Limits range from $1M up to $50M Aggregate
  • Total policy term of up to 17 years available, including both project policy period and completed operations

Target Client

Facilities include:

  • Hospitals
  • Outpatient centers
  • Clinics
  • Laboratories
  • Assisted living operations

Forms / Applications

Document Name Size Date
PF33669 Healthcare OCIP Project Policy (US) Application 9 2010.pdf 0 KB 07/11/2013
PF40105 Healthcare OCIP CPL OCC Form (US) 5.2013.pdf 0 KB 06/26/2013