Overview — Environmental Contractors Insurance from Capitol Special Risks
Capitol Special Risks (CSRisks) is a fully licensed surplus lines broker offering tailored Environmental Contractors Insurance for contractors who perform site remediation, environmental cleanups, underground storage tank work, and related operations. Our underwriting team includes multiple Certified Insurance Counselors (CICs) who work directly with you to define client exposures and secure appropriate combined or monoline solutions.
What this program offers
- Combined Occurrence form: General Liability with Contractors Pollution Liability (CGL + CPL)
- Monoline Contractors Pollution Liability (for clients who carry separate CGL)
- Coverage options: Nose coverage, Prior Acts, Annual, Per-Project, or Primary with Excess available
- Additional parts available by endorsement or separate placement: Professional Liability, Non-Owned & Hired Auto (endorsed to the CGL), Employee Benefit Plan Liability, Stop Gap Employers Liability (endorsed to the CGL), Umbrella Liability, Owners and Contractors Protective Liability
Ideal accounts and typical appetite
This program is built for environmental contractors and specialty trades with pollution exposure, including:
- Environmental remediation contractors (soil/groundwater remediation, site cleanup)
- UST removal/closure and tank installers/abandonment contractors
- Emergency spill response firms and vacuum truck operators
- Asbestos/lead abatement contractors and demolition contractors with environmental scope
- Geotechnical and environmental consultants whose work includes on-site field operations
Generally a good fit: accounts with documented safety programs, controlled subcontractor use, project values within standard contractor ranges, and clear scope-of-work documentation. Not a primary market for large, long-running Superfund sites or contractors whose core operations are manufacturing or chemical production.
Underwriting notes and submission guidance
- Indications are typically available upon receipt of a completed submission from another carrier — CSRisks frequently reviews and binds based on other carriers’ completed applications.
- Common submission items: completed application (or other carrier’s application), current loss runs (typically 5 years), project descriptions and contracts, safety and QA/QC procedures, details on storage/transport of contaminated materials, and prior pollution coverage history.
- We can consider Prior Acts, Nose Coverage, and per-project placements — discuss desired retroactive dates and limits up front.
- Minimum premium: varies by account and state; please include expected revenue or project value to help underwriters evaluate.
Territories, licensing, and markets
CSRisks operates as a wholesale broker and places non-admitted surplus lines coverage. This Environmental Contractors Insurance program is available 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. Carriers: Multiple markets available (surplus lines placements).
Why place this business with Capitol Special Risks
- Experienced surplus lines placement for environmental contractors with quick turnaround.
- In-house Certified Insurance Counselors to help craft scope-appropriate solutions.
- Flexible coverage structures (combined or monoline CPL, project or annual placements, prior acts).
- We do not charge a broker fee — fast service intended to help you retain and grow contractor accounts.
Example accounts that fit
- A remediation contractor performing seasonal UST removals, with written safety procedures and modest annual revenue — needs per-project CPL with prior acts and option for excess limits.
- An emergency spill response firm that wants a combined CGL + CPL annual program, endorsement for non-owned hired auto cover, and professional liability for site assessments.
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 contractor accounts work best for this program?
Contractors focused on site remediation, UST removal, spill response, asbestos/lead abatement, and similar field work with documented safety programs and controllable subcontractor practices. Large industrial manufacturing or long-running Superfund contractors typically require specialized placements outside this program.
What submission materials speed up underwriting?
Provide a completed application (yours or another carrier’s), five years of loss runs, detailed project descriptions or contracts, description of waste handling and transport practices, and any existing pollution or professional liability policies. Clear scopes and safety programs reduce review time.
Can you bind based on another carrier’s application?
Yes. CSRisks commonly issues indications and can bind coverage using other companies’ completed applications. Notify us early if you want prior acts, nose coverage, or per-project wording so we can set retro dates and endorsements correctly.
Is this program admitted or surplus lines?
This offering is placed through CSRisks as a surplus lines wholesale broker (non-admitted placements). Availability is subject to each state’s surplus lines rules.
Are additional coverages available on the same policy?
Yes. We can place endorsements or separate parts for Professional Liability, Non-Owned & Hired Auto (endorsed to CGL), Employee Benefit Plan Liability, Stop Gap, Umbrella, and Owners/Contractors Protective Liability depending on the account and carrier appetite.
Need help placing an account? Connect with a market specialist.