The Getchell Companies
Precast Concrete Manufacturers Insurance Program / Coverage / Pollution liability
Precast pollution insurance · New England

Pollution coverage for precast concrete operations.

Concrete plants make pollution exposure the quiet way: high-pH washout water, drums of admixtures and form oil, stormwater running across an industrial yard. And standard liability policies are written to exclude nearly all of it.

Exposure matrix

What goes wrong, and what responds.

The exposures below are the ones this coverage exists to answer — across every product line and plant on the program.

Ref
Exposure
What happens & what responds
WASH

Concrete washout water

Washout is high-pH wastewater that kills streams and draws regulators. Where it goes on your yard — and where it goes when containment fails — is a pollution exposure, not a housekeeping detail.Responds: Site pollution liability

STORE

Admixtures, form oil & fuel

Every plant stores chemicals and fuel. Tank and drum releases are classic gradual-pollution losses that GL forms exclude by design.Responds: Site pollution liability

STORM

Stormwater & permits

Industrial stormwater permits govern yard runoff; exceedances bring fines, and contamination claims from abutters bring worse.Responds: Site pollution & compliance support

PROD

Products pollution

For septic and wastewater products, a failure in the field becomes an environmental claim on someone else's property — the signature gap between GL and pollution forms.Responds: Products pollution liability

LEGACY

Legacy contamination

Buying or leasing an existing yard can mean inheriting decades of someone else's practices; discovery during expansion or sale is the expensive kind of surprise.Responds: Site pollution with historical coverage

One program, whole operation

Coverage lines don't work alone.

This line is one piece of a coordinated program — the seams between coverages are where uninsured claims live. See how it fits together on the program overview, or find your product segment in the footer below.

Precast pollution insurance FAQ

Common questions, straight answers.

For anything specific to your operation, call 978-897-7773 and ask about the Precast Concrete Manufacturers Insurance Program.

Doesn't our general liability policy cover pollution claims?
Mostly no — modern GL forms carry broad pollution exclusions, with narrow exceptions that rarely fit a concrete plant's actual exposures. Washout, storage releases and runoff need site pollution coverage; product-caused contamination needs products pollution. Assuming GL will stretch is the most common pollution mistake in manufacturing.
If we comply with our stormwater permit, do we still need pollution coverage?
Yes — compliance reduces the odds but doesn't eliminate releases, containment failures or claims from neighbors, and it does nothing about what's already in the ground. Insurance and compliance solve different problems; regulators and abutters can pursue you even in years when every sample passed.
Does pollution coverage handle contamination that predates our ownership of the site?
Only if it's written to — historical or pre-existing-conditions coverage is a specific negotiation, often supported by environmental site assessments from when you acquired the property. If you're buying a yard, the time to structure this is before closing, and it's a conversation we'd want to be part of.
Ask about the program

Talk to someone who knows what a double tee is.

Tell us what you cast, how you deliver it, and where it goes. We'll take it from there.

Ask for the Precast Concrete Manufacturers Insurance Program · getchellcompanies.com