Stormwater Consultants

1. Professional Liability (Errors & Omissions)

• This is the primary protection for stormwater professionals, covering errors in hydraulic and hydrologic modeling.
   

• It protects against claims of professional negligence if a consultant’s drainage design is undersized, leading to downstream flooding or property damage during a storm event.
   

• If a project is cited by a regulatory agency for failing to meet "Total Maximum Daily Load" (TMDL) water quality standards, this coverage addresses the consultant’s liability for the resulting fines or redesign costs.

2. Pollution Liability

• Since stormwater consultants deal directly with water runoff that can carry pollutants (sediment, chemicals, oils), pollution coverage is essential.
   

• This coverage handles claims if a consultant’s design fails to properly filter contaminants, leading to the pollution of a protected waterway or local groundwater.

3. General Liability

• Consultants frequently perform field inspections of "Best Management Practices" (BMPs) such as retention ponds or culverts.
   

• General Liability protects the firm if a consultant causes an accident or property damage while navigating a construction site or if a third party is injured during a site inspection.

4. Mitigation & Delay Coverage

• Errors in stormwater permitting can result in a project’s "Notice of Intent" (NOI) being denied, halting construction.
   

• This insurance addresses the financial damages claimed by the owner for project delays caused by the consultant’s failure to secure necessary environmental permits.