b'CONTRACTSINCREASING REQUIREMENTSFOR POLLUTION LIABILITY EIL policies provide protection P ollutionLiability,alsoknownasEnvironmentThese policies provide coverage for first- and third-party Impairment Liability (EIL), is becoming a much moreclean-up expenses, bodily injury and property damage arising common requirement for contractors. from a pollution event, including fire, explosion or a sudden The newly released CCDC2 2020 contract docu- spill as well as seepage over time.mentrequirescontractorstocarrypollutionliabilitywithaEIL policies provide the protection contractors need against minimum$5,000,000limit.Therefore,contractorsworkingthe environmental liabilities left uncovered by standard general directly under this contract will be required to provide evidenceliability insurance and it is recommended that contractors carry of such insurance. an annual EIL policy. This ensures continual protection and is In addition to being a requirement under the new CCDCmuch more cost effective than purchasing this coverage on a document, a pollution incident or loss can seriously damage aper job basis.contractors operations, balance sheet and even reputation. It is therefore critically important that contractors properly protectCarole J. Bissett themselves from such an exposure. Managing Director, Branch Leader ManyGeneralLiabilitypoliciesprovidecoverageforWilson M. Beck Insurance Services (Victoria) Inc.Sudden and Accidental pollution events. However, this is notRCABC Affiliate Membersufficient when pollution exposures are of a gradual nature.SuddenandAccidentalcoverageistiedtoaspecified discovery and reporting period. If a claim arises that is a gradual loss or is not discovered and reported in the time allowed underHELPING BUILDING the policy, there is no coverage in place. This therefore meansOWNERS SINCE 1979that once a contractor completes a job and leaves the site, any Roof Condition Assessment, Design, Inspection & Managementpollution discovered after that time is not covered. There is noRoof Maintenance Assessment and Planningcoverage for completed operations. Leak Investigation - Moisture Testing Journeyman Waterproofing Design & Inspection CertifiedIn order to also be protected for losses discovered that haveBalcony Waterproofing Design & Inspectionoccurred over time or after a job is complete, an EIL policyInter-Provincial Provides Third-Party Independent Services For:Strata Residential PropertiesMunicipalitiesmust be secured that includes gradual pollution releases as wellIndustrial/Commercial Buildings Institutionsas sudden and accidental events. With gradual coverage in place,School Districts Call or visit for more information-free quotes 604.576.5740www.iprc.cathe contractor does not have to be concerned about meetingAccepted Inspector for: Member: Member: Member:reporting requirements or about incidents discovered after a job is complete.www.rcabc.org l23'