Environmental Contractors Insurance Program from National Environmental Coverage Corporation (NECC)
National Environmental Coverage Corporation (NECC) offers a specialized insurance program tailored for environmental contractors. Designed to address the unique pollution and liability exposures in this niche, this program is ideal for agents and brokers looking to place business for clients involved in environmental remediation, hazardous waste handling, and related services across a wide range of industries.
Ideal Accounts and Target Classes
This program is a strong fit for contractors with environmental exposure, whether they operate independently or as subcontractors. Some of the eligible classes include:
- Asbestos Abatement
- Drillers (excluding Oil & Gas)
- Emergency Response Teams
- Environmental Remediation Contractors
- Hazardous Materials Handlers
- Lead and Mold Abatement Professionals
- Waste Brokers and Liquid Waste Remediation Services
- Medical & Infectious Waste Handlers
- Radon, PCB, and Soil Remediation Specialists
- UST/AST Contractors
- Wetlands Construction or Restoration Contractors
And many more—if your client operates in the environmental contracting space, there’s a strong chance NECC has a solution.
Coverage Highlights and Advantages
- Combined Occurrence Form General Liability (GL) and Contractors Pollution Liability (CPL)
- Monoline CPL available for accounts with separate GL coverage
- Nose coverage and prior acts available (subject to underwriting and documentation)
- Defense costs can be included within or added on top of policy limits
- First Dollar Defense option available
Coverage limits are flexible to meet your client’s needs:
- Base limits up to $1,000,000 per occurrence / $1,000,000 aggregate
- Higher limits available—up to $5,000,000 on an annual or per-project basis
Underwriting Considerations and Premium Info
- Minimum deductible starts at $2,500
- Minimum premiums begin at $2,000
Please note that some exposures may not be eligible for occurrence form policies or mold coverage extensions. Prior acts coverage is subject to proof of continuous claims-made coverage and underwriting approval. Retroactive coverage may be limited or unavailable for certain risks.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, FL, NY, TX, and IL—covering a total of 50 states plus Washington, D.C. The program is written on a non-admitted basis, offering flexible underwriting for complex or higher-risk accounts.
Why Partner with NECC?
NECC focuses exclusively on environmental risks, giving you access to deep underwriting expertise and tailored solutions. Whether you’re placing a mold remediation contractor in the Midwest or a hazardous waste transporter on the East Coast, NECC provides responsive service and customized coverage options that help you close more business and serve your clients effectively.
For example, you might have a client who specializes in underground storage tank removal and needs both pollution liability and GL coverage under one policy. Or perhaps you’re working with a medical waste hauler that has a solid safety track record but needs prior acts coverage. NECC can help with both scenarios.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for contractors involved in environmental remediation, hazardous material handling, mold or asbestos abatement, UST/AST work, and similar operations.
Can I get coverage for a contractor that already has General Liability elsewhere?
Yes, NECC offers monoline Contractors Pollution Liability coverage if your client has separate General Liability coverage in place.
Is prior acts coverage available?
Yes, prior acts coverage is available with proof of continuous comparable claims-made coverage, subject to underwriting approval.
Are higher limits available beyond the base offering?
Yes, limits up to $5,000,000 are available on either an annual or per-project basis to meet your client’s needs.
In which states is this program available?
The program is available in all 50 states and Washington, D.C., on a non-admitted basis.
Need help placing an account? Connect with a market specialist.