Overview — Environmental Liability Insurance from Alexander J. Wayne & Associates, Inc.
Environmental Professional Liability and Pollution Liability coverages are increasingly important for consultants, contractors and service firms working around hazardous materials, soil and groundwater, storage tanks, and remediation projects. Alexander J. Wayne & Associates, Inc. (AJ Wayne & Associates) places environmental liability programs designed to protect firms from errors-and-omissions and third-party pollution claims. We have access to several markets that combine General Liability, Auto, and Pollution capacity to deliver broad, practical packages for environmental exposures.
Ideal accounts and target classes
This program targets environmental professionals and contractors with clearly defined scopes of work and documented risk controls. Typical classes we place include:
- Environmental contractors & consultants
- Hazardous contractors
- Soil remediation contractors
- Groundwater remediation contractors
- Emergency response contractors
- Above ground and underground storage tank removal contractors
- Superfund clean-up contractors
- PCB remediation contractors
- Brownfield remediation contractors
- Environmental consultants (including Phase I, II and III audits)
- Soil testing firms
- Environmental construction management and remediation firms
- Environmental training facilities
- Environmental service firms and laboratories
- Environmental engineering and industrial hygiene firms
- Regulatory consulting and compliance firms
- Environmental impairment consultants
- Asbestos abatement contractors
Coverage highlights and advantages
- Protection for sudden and gradual pollution incidents, including third-party bodily injury from hazardous exposures.
- Errors & omissions coverage tailored to environmental professional services and reports.
- Contractual liability wording suitable for typical client contracts and project agreements.
- Flexible placement on either claims-made Professional/Environmental forms or as pollution included within an occurrence Commercial General Liability program.
- Blanket or project-specific limits and extensions to fit construction and remediation work.
- Mold consulting coverage and provisions for temporary storage of hazardous materials on-site, off-site or at owned locations.
- Access to admitted and non-admitted capacity through carriers such as Endurance US Insurance, Arch Insurance Group, Chartis and Houston Casualty Company.
Underwriting notes and submission guidance
Underwriters prefer accounts with documented safety programs, clear scopes of work, and historic sampling or site reports when applicable. This program writes both claims-made professional/environmental forms and pollution coverage tied to occurrence General Liability. Typical information to include with a submission:
- Detailed description of operations, typical projects and annual revenue mix
- Scope of work and sample contracts or client agreements
- Loss history and any prior pollution or professional claims
- Copies of Phase I/II/III reports, remediation plans or environmental site assessments when available
- Certificates or descriptions of safety, QA/QC, and waste handling procedures
Accounts with unmanaged legacy contamination, very large potential third-party exposures, or no documented controls may require referral to specialized carriers or could be declined. Each account is evaluated on scope, controls, loss history and carrier appetite.
Territories and admitted status
This program is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted capacity is available in some states; non-admitted placement is used where admitted paper is not available.
Why place this business with Alexander J. Wayne & Associates, Inc.
- Wholesale broker with program access to multiple A-rated markets that combine GL, Auto and Pollution coverages.
- Underwriting experience handling a broad range of environmental classes from consulting firms to heavy remediation contractors.
- Ability to structure project-specific or blanket placements and to consider either claims-made professional forms or occurrence-based pollution within GL.
- Practical, submission-focused approach that helps accelerate quote turnarounds when the necessary documentation is provided.
Example accounts that fit
- A regional groundwater remediation contractor that performs short-term remediation projects with documented safety procedures and routine sampling — candidate for project-specific pollution limits.
- An environmental consulting firm performing Phase I/II audits and reports for developers — good fit for claims-made professional liability with mold and consultative extensions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Clients who perform defined environmental services or remediation work with documented procedures, clear scopes of work and limited catastrophic exposure are ideal — e.g., soil or groundwater remediation contractors, environmental consultants, testing labs and tank removal firms.
Does AJ Wayne & Associates offer claims-made and occurrence forms?
Yes. Environmental Professional Liability is commonly offered on a claims-made basis, and pollution coverage can also be placed on an occurrence Commercial General Liability basis depending on the carrier and the account.
Which states and admitted options are available?
The program is available in the listed states. Admitted capacity exists in some states and non-admitted placements are used where admitted paper is not offered by the markets on a given account.
What information should I include with a submission to get a faster quote?
Provide a clear operations statement, annual revenues by activity, loss history, sample contracts/scopes of work, and any environmental reports or testing data. These items help underwriters evaluate exposures and speed the placement process.
Need help placing an account? Connect with a market specialist.