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 pollutant specific coverage, as opposed to full pollution for the contractors and unit owners for abatement being done with a HUD grant. Since it's inception 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.
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.

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