CSRisks (Capitol Special Risks) places Environmental Consultants & Laboratories accounts through multiple specialty markets. Our team understands the professional, on-site and transportation pollution exposures that consultants, testing labs and related firms face and can tailor combined professional liability, general and pollution liability programs to match each firm’s operations.
Overview of the Program from Capitol Special Risks
This Environmental Consultants & Laboratories program is offered through Capitol Special Risks as a wholesale broker program with access to multiple admitted and non-admitted markets. We place occurrence-form General & Contractors Pollution Liability (CPL) alongside Claims-Made or Monoline Professional Liability when needed. The program supports prior acts coverage, first dollar defense options, transportation pollution and site pollution extensions for offices or labs.
Ideal Accounts and Appetite
- Environmental consultants performing site assessments, Phase I/II reports, remediation oversight and risk assessments.
- Environmental testing laboratories (soil, water, air) that handle sampling and analysis but do not perform large-scale remediation contracting.
- Small to mid-sized firms with well-documented procedures, formal QA/QC, and controlled sample handling and chain-of-custody processes.
Generally a good fit: offices and labs with limited on-site remediation, owned or hired vehicles requiring transportation pollution coverage, and firms seeking combined professional and pollution protection. Not a fit: large contractors performing heavy remediation or firms with repeated large contaminant releases—submit those accounts and we will advise on referral options.
Coverage Highlights and Advantages
- Occurrence-form General and Contractors Pollution Liability available with complementary Claims-Made Professional Liability or Monoline Professional Liability.
- Prior acts (retroactive) coverage can be offered where needed.
- Defense costs can be included in or provided in addition to policy limits; first-dollar defense options are available.
- Transportation Pollution Liability can be added for any or all insured vehicles handling samples or waste.
- Site Pollution Liability for offices or laboratories — useful where on-site storage, minor handling, or lab waste is present.
- Supplemental and ancillary coverages available: Non-Owned & Hired Auto (endorsed to CGL), Employee Benefit Plan Liability, Stop-Gap Employers Liability (endorsed), Umbrella and Owners/Contractors Protective Liability.
- Mold coverage: available; minimum premiums will vary by location and classification.
Underwriting Notes and Minimum Premiums
- Indications are often available quickly upon receipt of completed submissions from other carriers; we frequently bind using another carrier’s application when acceptable.
- Key submission items: current applications (professional and GL), loss runs, details on sampling/transportation procedures, lab QA/QC documentation, and descriptions of any prior environmental incidents.
- Minimum premiums vary by state, classification and coverage selections — contact our team for a tailored indication.
Territories and Availability
This program is available for accounts operating in the following states: 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, WV, WI, WY. Availability and regulatory placement (admitted vs. non-admitted) can vary by state and carrier—please confirm when submitting.
Why Work With Capitol Special Risks on This Business
- Wholesale broker access to multiple specialty carriers experienced in environmental and professional liability.
- Fast turnaround and the ability to bind quickly — we frequently accept completed applications used for other markets.
- No broker fee charged by Capitol Special Risks.
- Flexible coverage options to combine CPL, Professional Liability and transportation/site extensions into a single tailored program.
Example placements
- You might have a small environmental consulting firm that conducts Phase I/II ESAs, oversees subcontracted remediation, and transports soil/water samples. This program can combine professional liability with transportation pollution protection and site pollution coverage for the small office/lab.
- You might place a regional testing laboratory that analyzes environmental samples and needs professional liability plus limits that recognize on-site chemical handling and chain-of-custody exposures. We can quote lab-specific endorsements and defense options.
Fast turnaround and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of environmental firms are a good fit for this program?
Small to mid-sized environmental consultants and testing laboratories with formal QA/QC, limited on-site remediation activity, and controlled transportation of samples are ideal. Larger, heavy remediation contractors may require referral to a different market.
Can I add transportation pollution coverage for sample collection vehicles?
Yes. Transportation Pollution Liability can be added for any or all insured vehicles to cover pollution exposures while transporting samples or waste.
Do you offer prior acts or retroactive coverage?
Prior acts coverage is available in many cases. Availability and effective retroactive dates depend on underwriting review and carrier terms.
What submission materials should I include to get a quick indication?
Include the insured’s professional and general liability applications, current loss runs, descriptions of sampling/transportation procedures, lab QA/QC documentation and details on any past environmental incidents. We can often provide indications quickly when those items are supplied.
Need help placing an account? Connect with a market specialist.