Environmental Remediation Contractors Insurance Oregon (Quotes, Cost & Coverage)

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How much does commercial insurance cost?

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What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

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A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Environmental Remediation Contractors Insurance Oregon

OR Environmental Remediation Contractors Insurance

Environmental Remediation Contractors Insurance Oregon. As an environmental contractor, the services you provide are invaluable. Your job is to remove hazardous contaminants that could pollute the environment, such as surface and groundwater, as well as soil and sediment. You might also provide consultation services that help businesses learn how to reduce their carbon footprint.

Environmental remediation contractors remove, cleanup, or control pollutants or contaminants from buildings and other structures, soil, or water. They are called in when asbestos, lead, toxic mold or other environmental hazards have been identified by an environmental consultant as not being in compliance with EPA or other agencies such as OSHA and NFPA.

The method of remediation will vary based on the particular type of pollutant or contaminant and the site where it is found. The contamination can be removed or it can be treated in place. Removal involves physically cutting out the area of contamination and disposing of it in a landfill. The area of contamination is then replaced with new building materials or new soil. Treatment in place involves adding mitigation agents to absorb the contaminants, using plants or fungi to provide "good" bacteria to contaminated areas, or sealing off the contamination.

Given the nature of your job, there are a number of risks that could put you in jeopardy of financial trouble. In order to protect yourself from these risks, it's important that you have right environmental remediation contractors insurance Oregon policies in place.

Environmental remediation contractors insurance Oregon protects your business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.

Why Do Environmental Contractors Need Commercial Insurance?

OR environmental contractors are exposed to a wide variety of risks on a regular basis. You work with a number of significantly harmful contaminants, such as sewage, biohazard, and medical waste, and other harsh agents. It's your job to tend to and clean up any spills of these contaminants that have the potential to negatively impact the environment. While your job is to help reduce the impact of harmful agents on the environment, there is a chance that you may actually end up causing contamination.

A barrel of waste could spill into a waterway, or an oversight could lead you to miss cleaning up all pollutants, which could result in damage to the environment. Should a mishap arise, you could end up facing serious financial trouble. The cost of repairing damages, legal fees, and any compensation that you might be required to pay can be exorbitant. Paying for these costs could put you in serious financial turmoil.

That's exactly why having the right environmental remediation contractors insurance Oregon in place is so important. It protects you from the financial strain that may be associated with any accidents, damages, and lawsuits that may arise.

What Type Of Business Insurance Should Environmental Contractors Have?

In order to properly protect themselves, OR environmental remediation contractors should carry individual policies or a package of policies that offers the following coverages:

  • Commercial General Liability - This type of coverage provides protection for any third-party injuries or property damage that may occur. For instance, if you or a member of your team were to damage a client's property while performing a service or if a piece of your equipment were to malfunction on a job site and injure a client or another contractor - and it was determined that you were liable, you would have to pay for any repairs or medical bills. If a lawsuit is filed against you, you would also have to pay for the legal expenses. With commercial general liability insurance, you won't have to worry about paying for these costs out of your own pocket, because your provider will pay for any expenses that you are liable for.
  • Professional Liability - Also known as errors and omissions (E&O), professional liability insurance will protect you from any legal claims that someone might file against you for any errors and omissions that occurred when you provided your services. In other words, if a client claims you made a mistake - an error (negligence) - or you didn't perform a service that you said you would provide - omissions - and that error or omission caused financial harm, your professional liability coverage would help to pay for the cost of legal defense, as well as any damages that may be awarded.
  • Contractor's Pollution Coverage - General liability doesn't cover all third-party bodily injuries and property damages. For instance, pollution incidents are excluded from this type of coverage. That's why you need contractor's pollution insurance. This type of coverage is designed specifically for contractors and it offers coverage for any third-party bodily injuries, property damages, cleanup, and legal defense costs that might occur as a result of any pollution that happens when environmental contractors are performing their services; things that your general liability policy doesn't cover.
  • Workers' Compensation - If you employ a staff that assists you with the environmental services you provide, you'll also need to invest in worker's compensation insurance. If an employee sustains a work-related injury or illness, this type of coverage will help to pay for the cost of his or her medical expenses, lost wages, job training if he or she is unable to return to work, and more.

These are just some of the different types of coverages that environmental contractors in Oregon should invest in. Policies can be purchased individually, but packages are available that offer most of these coverages under one policy.

OR Environmental Remediation Contractor Risks & Exposures

Premises liability exposures at the contractor's office are limited due to lack of public access. Outdoor storage may invite vandalism and attractive nuisance hazards. Off-premises exposures are high due to the potential for damaging customers' property during the removal of old building materials and installation of new materials.

Older materials generally contain asbestos, lead, or other hazardous environmental substances. The customer's employees or members of a customer's household can be injured by tripping or falling over tools, power cords, building materials and scrap. If there is work at heights, falling tools or supplies may cause damage and injury.

Completed operations exposures are generally high. Improper removal or mitigation can result in contaminants growing, causing additional damage to property or humans, and resulting in fines to clients.

Environmental impairment exposures are very high due to the removal, transport, and disposal of contaminants and old materials removed from structures or soil. Disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of all processes is important. Training and supervision of employees are critical.

Professional liability exposure and errors and omissions exposure can be extensive if the contractor offers environmental counseling services due to the potential for environmental damage from ineffective advice or incorrect testing practices. All procedures must be followed and regular inspections conducted. Documentation must be clear, with changes marked and authorizations signed by both the consultant and the customer.

Customers can suffer financial loss if they must pay fines or cease operations due to a government order regarding environmental concerns. In addition, release of pollutants can cause property damage to surrounding residential or business areas.

Workers compensation exposure onsite is from office and laboratory operations. Repetitive motion injuries from use of office equipment can be reduced with ergonomically designed workstations. When there is a laboratory on premises, employees are exposed to pollutants, toxins or known carcinogens. Employees should have appropriate safety gear while working in laboratories and around any contaminants or pollutants brought onsite.

The exposures at job sites are significant. Workers are exposed to asbestos, lead, mold, and other contaminants during remediation work. Common injuries include eye, nose, throat, skin, and lung irritants, vapors, fumes, and toxins from adhesives, coatings, and solvents. Effects may be immediate or cumulative over a long period of time.

When work is done on ladders or scaffolds, severe injury or death can occur from falling, being struck by falling objects, or adverse weather conditions. The danger is reduced if there is good maintenance of scaffolds, proper use of basic safety equipment, such as properly installed guards, steel-toed shoes, and eye protection, and strict enforcement of safety practices. Appropriate safety clothing and decontamination areas must be provided for all workers.

Property exposure at the contractor's premises is limited to an office and storage of equipment, materials and vehicles. Ignition sources include heating units, electrical wiring, wear, and overheating of equipment. If repair work on vehicles and equipment is performed in the building, fire hazards increase. Customers' property may be stored on the contractor's site during the remediation process. If there is a testing laboratory on premises, chemicals must be separated from combustibles and stored in fireproof cabinets.

Crime exposure is limited to employee dishonesty. Employee theft of a client's property may occur while on a client's premises or while the client's goods are on the contactors premises. Background checks, including criminal history, should be conducted on all employees handling money or with access to a client's property. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly.

Inland marine exposures include accounts receivable if the contractor offers credit to customers, computers, contractors' equipment and tools, installation floater, and valuable papers and records for customers' and suppliers' information. Equipment may include hand tools, ladders, and scaffolding. The materials awaiting installation are subject to loss or damage by moisture, by employees or other contractors, vandalism and theft. Valuable papers and records also include required licenses and documentation of contracts and project approvals. All records should be duplicated, with copies stored off-site.

Commercial auto exposures include the transportation of workers, equipment, and materials to and from job sites and transportation of hazardous waste to approved landfills. Collision or overturn during transport can result in contaminants being spread over a wide area. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.

Drivers may need a hazardous materials "hazmat" endorsement to transport some chemicals used. Hazards increase if the insured lacks spill control procedures and equipment.

OR Environmental Remediation Contractor Insurance

To find out more about the different types of insurance you should invest in and how much coverage you should carry, speak to a reputable agent that is experienced with Oregon environmental remediation contractors insurance. There are several factors that need to be taken into consideration to determine how you can best protect yourself, your clients, your employees, and your business.

Oregon Business Economic Outlook & Commercial Insurance Regulations

If you are thinking about doing business in the Pacific Northwest, you might have your sights set on Oregon. However, before you set up shop, it's important for you to have an understanding of the economy - so that you can make the best decisions possible. It's also important for you to know what type of business insurance policies you are legally required to carry in order to do business in OR.

Made In Oregon

In order to help set you up for success, below, we highlight some of key information regarding the economy in Oregon, as well as the regulations regarding commercial insurance.

The Economic Outlook In Oregon

In 2018, Oregon is projected to see an increase in their economy. The unemployment rate was 4.1 percent at the end of 2017, and it is expected that it will either stay the same or drop even lower by the end of 2019.

There are several industries that are expected to contribute to the job market and the economy overall in the state of Oregon. The industry that is expected to see the most gain in this state during the 2018 calendar year is construction, with an increase of 10.5 percent. The manufacturing industry is also expected to see significant growth, with a forecasted increase of 4.3 percent. Other industries that are expected to see growth in OR in 2019 include:

  • Financial Services
  • Lodging
  • Mining
  • Trade
  • Transportation
  • Utilities
Insurance Requirements For Oregon Businesses

The Division of Financial Regulation oversees the insurance industry in Oregon. Here workers compensation insurance is mandated. If you employ one or more person, whether that person is full-time or part-time, or is hourly or salaried, you are legally required to carry this type of coverage. Additionally, you must carry commercial auto insurance if you operate vehicle for any business-related purposes, whether it's meeting with clients, making deliveries, or transporting goods.

While commercial general liability insurance is not required in OR, it is highly recommended. This type of coverage will protect you from any lawsuits and the accompanying settlements that may arise in the event that some slips and falls, or claims that you damaged their property. You should also consider investing in commercial property insurance, as it can help to offset the cost of any property losses that you might experience.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.

Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.

Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.


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