Environmental Consultants & Engineers Insurance Program
National Environmental Coverage Corporation (NECC) offers a comprehensive insurance solution tailored to the unique risks faced by environmental professionals. Whether your clients are environmental consultants, engineers, laboratories, or hygiene firms, this program delivers broad protection through a flexible combination of General Liability, Pollution Liability, and Professional Liability coverage.
Ideal Accounts and Appetite
This program is designed for a wide range of environmental service firms, including but not limited to:
- Environmental Consultants
- Environmental Engineers
- Air Monitoring Firms
- Analytical and Environmental Laboratories
- Industrial Hygiene Firms
- Asbestos and Lead Consultants & Labs
- Mold Consultants
- Toxicologists and Training Institutes
- UST (Underground Storage Tank) Consultants and Testing Firms
- Waste Brokers
If you have clients operating in niche sectors within the environmental industry, such as mold inspection or asbestos testing, this program provides highly targeted coverage to meet their needs.
Coverage Highlights and Advantages
- Combined Occurrence Form General Liability and Pollution Liability available, with a Claims Made Professional Liability component
- Alternative option for standalone Professional Liability with optional Pollution coverage (ideal for insureds with separate CGL)
- Nose coverage and prior acts available (subject to underwriting)
- Defense costs can be inside or outside policy limits
- First Dollar Defense option available
Coverage is tailored to the risk profile of each account, with flexibility in limits, deductibles, and defense arrangements. For example, a small environmental lab might benefit from lower base limits and a modest deductible, while a larger engineering firm might need higher limits and retroactive coverage.
Underwriting Notes and Minimum Premiums
- Base limits available up to $1,000,000 per occurrence / $1,000,000 aggregate
- Limits up to $5,000,000 are available
- Deductibles start at $2,500
- Minimum premiums start at $2,000
Coverage availability, terms, and pricing vary depending on the specific risk characteristics, operations, and location of the insured. Mold coverage extensions and retroactive coverage are subject to underwriting approval.
Territories and Availability
This program is available on a non-admitted basis in most states, including 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, and WY.
Why Work With NECC?
NECC specializes in environmental insurance and understands the complexities and regulatory exposures your clients face. Whether you're placing a single consultant or a multi-state engineering firm, NECC offers underwriting expertise, responsive service, and access to customized insurance solutions that help you meet your clients’ needs efficiently.
For example, you might have a client who provides mold assessments for commercial buildings. With NECC's program, you can secure coverage that includes both professional liability and pollution liability, ensuring they’re protected in the event of a claim related to environmental exposure or professional error.
Visit the NECC company profile or the storefront to learn more or to submit a risk.