Environmental Insurance Coverage — Cochrane & Company
Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs.
Overview of the Program
This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers.
Ideal Accounts and Appetite
- Environmental contractors performing remediation, site work, or contracting services with pollution exposures.
- Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection.
- Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage.
- Owners/operators of storage tanks, fuel handling locations, and dry cleaners.
- Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL).
Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information.
Coverage Highlights and Advantages
- Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements.
- Excess placement up to $10,000,000 — supported and unsupported options depending on the account.
- Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships.
- Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events.
- MCS-90 filings available when auto is bound in conjunction with GL.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account.
Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory.
Territories and Admitted Status
Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis.
Why Work With Cochrane & Company
Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms.
Example Accounts
- A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations.
- An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity.
Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information.