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Metcom Excess
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Metcom Excess
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Environmental Insurance

Metcom Excess has been a trusted provider of Environmental Insurance solutions since 1995. Over the years, we have expanded our capabilities, markets, and geographic reach to serve a wide range of environmental risks. As a General Agency and Excess & Surplus Lines Broker, we represent top-tier carriers and offer flexible options for both admitted and non-admitted markets. Our expertise allows us to assist agents in placing everything from small environmental contractors to large, complex manufacturing facilities. No account is too small or too complex for our team.

Ideal Accounts and Appetite

Our Environmental Insurance program is well-suited for a broad range of commercial clients, including:
  • Environmental contractors and consultants
  • Engineering and remediation firms
  • Manufacturing facilities with potential pollution exposures
  • Sites with underground or above-ground storage tanks
  • Property owners or developers with fixed-site pollution risks
Whether your client is a small-scale contractor needing just basic pollution coverage or a large facility with multiple environmental exposures, we have scalable solutions to fit.

Coverage Highlights and Advantages

We offer a variety of coverage types designed to address key environmental exposures:
  • Contractors and Consultants: Covers third-party bodily injury, property damage (including cleanup costs), and transportation of materials. Coverage for General Liability, Contractors Pollution Liability, and Professional Liability can often be bundled into one policy.
  • Professional Liability: Available as stand-alone or in conjunction with other coverages. Protects against third-party claims arising from professional services, including acts, errors, or omissions.
  • Environmental Impairment Liability (Fixed Site): Covers first- and third-party damages related to pollution conditions at or emanating from fixed locations. Includes cleanup coverage and bodily injury/property damage.
  • Storage Tank Pollution: Coverage for both sudden and gradual releases from scheduled underground or above-ground tanks.
Key Features:
  • FAST quote turnaround
  • Primary and Excess coverage available
  • Minimum Premiums: $500 for tank accounts, $1,500 for packaged policies
  • Limits up to $10,000,000 per occurrence/aggregate
  • Minimum deductible: $1,000

Underwriting Notes and Minimum Premiums

Our underwriting team evaluates each submission on its own merits, and we strive to find a home for even niche or hard-to-place risks. We offer minimum premiums starting at $500 for tank-only accounts, and $1,500 for package policies. Submissions with clear operations, loss history, and site descriptions help speed up our quote process.

Territories and Availability

We are currently writing Environmental Insurance business in the following states:
  • Connecticut (CT)
  • Delaware (DE)
  • Maryland (MD)
  • New Jersey (NJ)
  • New York (NY)
  • North Carolina (NC)
  • Pennsylvania (PA)
  • South Carolina (SC)
  • Virginia (VA)
Some markets are admitted, depending on the risk and state. Our team can help guide agents through available options.

Why Work With Metcom Excess?

Metcom Excess brings nearly three decades of environmental underwriting experience to the table. We understand the nuances of environmental risk and have access to various markets to offer competitive, tailored solutions. Our team is responsive, knowledgeable, and committed to helping you place your environmental accounts quickly and efficiently. From fast quote turnaround to flexible coverage structures, we make it easy for agents and brokers to succeed in this complex niche.

Frequently Asked Questions

What types of accounts are a good fit for this Environmental Insurance program?

This program is ideal for environmental contractors, consultants, fixed-site facility owners, and businesses with storage tanks or pollution exposures.

Can I get a quote for a small contractor or tank-only account?

Yes, we entertain accounts of all sizes. Minimum premiums start at $500 for tank-only policies and $1,500 for packaged coverage.

Are combined policies available?

Yes, we can often combine General Liability, Contractors Pollution Liability, and Professional Liability into a single policy for streamlined coverage.

What states is this program available in?

We currently offer coverage in CT, DE, MD, NJ, NY, NC, PA, SC, and VA.

How quickly can I get a quote?

We offer fast quote turnaround, especially when complete submissions are provided. Our team works quickly to help you secure terms for your clients.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    "A" or better
  • Commission:
    10%
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Contractors & Consultants Application
    Company Brochures or other marketing materials or WEBSITE: __________________________.
    􀂅 Resumes, Licenses, Certificates for Key Personnel only.
    􀂅 Most recent audited financials.
    􀂅 Three years of currently valued loss runs for each line of coverage desired.
    􀂅 Sample standard contract(s) used with clients, subcontractors, and others.
    􀂅 A list and description of services typically subcontracted to others.
  • Environmental Impairment Liabiliy
  • Storage Tank Application

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Metcom Excess has other insurance programs like Coastal Homeowner Program.