At National E&S Insurance Brokers, we know that unexpected challenges can arise in the course of your clients’ operations. Our Faulty Workmanship program is built to address these challenges, providing vital coverage where general liability policies may fall short. Here are detailed real-world claim scenarios showcasing how our program has supported insureds:
1. Faulty Workmanship
A plumbing contractor improperly installed pipes in a newly built home. This caused leaks through light fixtures and into the floors below. While the contractor’s general liability policy covered third-party damages to the ceiling, flooring, and cabinetry, it excluded the costs of ripping out and replacing the faulty pipes. Our Faulty Workmanship coverage stepped in to cover these repair costs, including restoring the shower to its original state.
2. Contractors Pollution – Chemical Contamination
An excavation contractor used chemically contaminated soil for backfilling, which seeped into the water supply. General liability policies typically exclude such pollution claims. However, our Contractors Pollution coverage handled the property damage and cleanup costs associated with this contamination.
3. Contractors Pollution – Mold in Subfloor
A flooring contractor failed to properly ventilate a room during installation. Excess moisture caused mold growth in the subfloor, resulting in property damage. As mold-related claims are excluded under most general liability policies, our Contractors Pollution coverage provided financial support to remediate the mold and repair the affected subfloor.
4. Contractors Pollution – Mold in Building
A concrete subcontractor neglected to ventilate a building properly after pouring concrete. This resulted in mold developing on the floors, walls, and fixtures. The subcontractor’s general liability policy denied coverage due to a mold and pollution exclusion. Our Contractors Pollution Liability (CPL) policy covered the costs to clean up and repair or replace the damaged areas.
5. Rectification Costs
A design-builder engaged a mechanical engineer to design an HVAC system for a hospital. During testing and commissioning, the contractor discovered the design was inadequate for meeting the hospital’s needs. This caused $300,000 in additional costs to remove, redesign, and replace the equipment. Our rectification coverage advanced funds to address the issue, helping the project stay on track and avoiding further liability.
These scenarios illustrate just a few of the ways our Faulty Workmanship program can provide critical protection for your insureds. Whether addressing workmanship issues, pollution events, or design errors, our coverage ensures your clients have the financial support they need to manage and recover from unforeseen incidents.
Download a detailed program guide for more information about this program, or contact our team to discuss tailored solutions for your clients.
Ross Driscoll Sr.
Ross@nationaleands.com
(775) 507-2530 ext. 4070
(661) 266-4444 ext. 4070
Ross Driscoll Jr.
Jr@nationaleands.com
(775) 507-2530 ext. 4076
(661) 266-4444 ext. 4076
Jeff Gray
Jeff@nationaleands.com
(775) 507-2530 ext. 4079
(661) 266-4444 ext. 4079
Hank Clark
Hank@nationaleands.com
(775) 507-2530 ext. 4092
(661) 266-4444 ext. 4092