Ideal Accounts and Appetite
Our program is designed specifically for non-environmental contractors who may have incidental pollution exposures in the course of their operations. We can also access brokerage markets for environmental contractors, site pollution, and dust exposure risks.
Target Classes Include:
- Crime Scene Clean-Up / Janitorial Services
- Fire Suppression System Installation and Maintenance
- HVAC Contractors
- Plumbing Contractors
- Medical Waste and Biohazard Transportation
Coverage Highlights and Advantages
Even contractors who don’t consider themselves at risk can face pollution exposures. For example, a plumbing contractor could unintentionally introduce cleaning chemicals into a food processing plant’s water system, or an HVAC contractor could cause mold contamination in a hospital setting. Our Contractors Pollution Liability Insurance helps protect against these types of claims.
Key Coverage Features:
- Limits available up to $1,000,000/$2,000,000
- Includes Mold sublimit of $25,000 (can be increased up to $500,000/$500,000)
- Transportation Pollution Liability Enhancement available
- Blanket Additional Insured endorsement available
Underwriting Notes and Minimum Premiums
Minimum premiums start at $750 for policies with $500,000/$500,000 limits. With our in-house underwriting authority, we can respond quickly to your submissions and help you stay ahead of project deadlines. Having this coverage in place before a project bid could give your client a competitive edge.
Territories and Availability
This program is available on a non-admitted basis in the following states: Arizona, California, Hawaii, Nevada, and Texas. We specialize in the excess and surplus market, offering flexible solutions for hard-to-place risks.
Why Work With Monarch E&S Insurance?
As a Managing General Agency and Excess & Surplus Lines Broker, Monarch E&S brings deep experience and broad market access to help you find the right pollution coverage for your contractor clients. Our in-house authority allows us to quote quickly and efficiently, and our team understands the unique needs of non-environmental contractors.
Let Monarch E&S help you place your Contractors Pollution Liability Insurance accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target non-environmental contractors such as HVAC technicians, plumbers, janitorial services, and fire suppression system installers. Environmental contractors may be eligible through our brokerage markets.
Is this program available in all states?
No, this program is currently available in Arizona, California, Hawaii, Nevada, and Texas on a non-admitted basis.
What limits are available under this policy?
Limits up to $1,000,000/$2,000,000 are available, with a mold sublimit starting at $25,000 and optional increases up to $500,000/$500,000.
Can this coverage help my client meet contract requirements?
Yes, many clients now require pollution liability coverage in their contracts. Having this policy in place can help your insureds qualify for more jobs.
What is the minimum premium?
Minimum premiums start at $750 for coverage limits of $500,000/$500,000.
Need help placing an account? Connect with a market specialist.