Monoline Contractors Pollution Liability

Overview — National Environmental Coverage Corporation: Monoline Contractors Pollution Liability

National Environmental Coverage Corporation (NECC) offers a Monoline Contractors Pollution Liability program designed for contractors who face environmental exposures during construction, remediation, demolition, or maintenance work. This program is intended for independent agents and brokers placing accounts that require targeted pollution liability protection on either an annual or per-project basis. Coverage is available on occurrence or claims-made forms, with options for prior acts (retroactive) coverage where underwriting approval and proof of prior continuous coverage exist.

• Occurrence or Claims Made Form
• Nose Coverage and Prior Acts Available
• Annual & Per Project Policies
• Defense Costs can be in addition to or included in the policy limits
• Mold coverage is available (if requested) for most types of contractors

Coverage Highlights and Advantages

• Flexible form options: occurrence or claims-made forms to suit the insured’s exposure and placement needs.
• Prior acts (retroactive) coverage available subject to underwriting and verification of prior comparable coverage.
• Policy period options: annual master policies or per-project (per job) limits for single-job exposures.
• Defense costs can be handled inside or outside the policy limit, based on program selections and underwriting.
• Mold coverage can be added by endorsement for most contractor classes when requested.

Standard Limits, Deductibles and Minimums

• Standard base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available).
• Limits up to $5,000,000 are available on either an annual or a per-job basis.
• Minimum deductible: deductibles start at $2,500.
• Minimum premium: starting at $2,000 (excluding mold). Accounts including mold typically start at $4,000 and up.
  Taxes and fees are additional where applicable.

Underwriting Appetite and Typical Restrictions

NECC targets contractors with environmental exposures arising from construction, remediation, demolition, waste handling, and site work. Typical acceptable accounts include general contractors, specialty trade contractors (plumbing, roofing, paving), demolition and asbestos/lead abatement contractors, soil and groundwater remediation contractors, and restoration firms. Accounts with clearly documented controls, strong safety programs, and stable prior coverage histories are preferred.

Underwriting may decline or restrict accounts with: ongoing or poorly documented contamination, oil & gas drilling operations, large-scale industrial chemical manufacturing, or histories of repeated pollution incidents. Mold coverage is underwritten separately and is not available for all risks.

Territories and Availability

This program is available through NECC in the following states: 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, WY.

Availability, terms and capacity will vary by state and by the specific exposures of the risk. This program is non-admitted in certain situations; confirm market status with NECC underwriting for placements in regulated admitted markets.

Why Place This Business with NECC

• Program expertise: NECC focuses on environmental liability for contractors and offers flexible forms and limits suited to construction and remediation exposures.
• Flexible placement: annual or per-project options let you match coverage to the insured’s operational and contractual needs.
• Underwriting support: NECC evaluates prior acts requests and mold extensions on a case-by-case basis and can structure defense within or outside limits.
• Wide class appetite: an extensive list of eligible contractor classes helps you place diverse accounts through a single program.

Example Accounts That Fit This Program

• You have a remediation contractor performing soil excavation and groundwater treatment on multiple small to mid-size sites — consider an annual policy with prior acts if they have continuous claims-made coverage history.
• A general contractor bidding on a single demolition and asbestos abatement project — a per-project (per job) policy with appropriate limits and a mold endorsement (if requested) can be placed.

* This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage.

Frequently Asked Questions

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