National Environmental Coverage Corporation (NECC) offers a specialized insurance program designed for restoration contractors. This program provides Commercial General Liability (CGL) and/or Contractors Pollution Liability (CPL) coverage for businesses involved in a variety of environmental and restoration services, including water extraction, mold remediation, and emergency response. NECC’s deep understanding of environmental exposures and restoration operations allows them to tailor coverage that helps agents meet the complex needs of their contractor clients.
Ideal Accounts and Appetite
NECC targets restoration contractors primarily engaged in:
- Water damage restoration and extraction
- Mold remediation
- Fire damage restoration
- Emergency response contracting
- Air duct and carpet/upholstery cleaning
Contractors involved primarily in reconstruction or general restoration work (as opposed to environmental response) can be considered for Monoline CPL only. These accounts must carry separate CGL coverage through an A-rated carrier.
Coverage Highlights and Advantages
NECC offers flexible policy structures and competitive terms for qualified risks:
- CGL is typically written on an Occurrence Form
- CPL is generally offered on a Claims-Made basis
- Prior Acts coverage is available (subject to underwriting)
- Annual and Per Project policy options
- Defense costs are outside the limits for CGL
- Defense costs are inside the limits for CPL
- Low deductibles for most risks
Standard limits begin at $1,000,000 per occurrence with a $1,000,000 aggregate. Higher limits may be available upon request. Deductibles start at $2,500 for CGL and $5,000 for CPL, with minimum premiums beginning at $4,000 for CPL and $6,000 for combined CGL/CPL coverage.
Underwriting Considerations
NECC underwrites on a non-admitted basis and evaluates each account based on operations, risk factors, and location. Occurrence-form CPL and/or CGL may not be available for all risks. Mold coverage extensions are subject to eligibility. Continuous claims-made coverage is required for Prior Acts consideration and must be supported by documentation. Some risks may be offered limited or no retroactive coverage.
Territories and Availability
This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. NECC currently serves agents in all 50 states except for a few with specific restrictions. Please contact NECC for state-specific questions or unique exposures.
Why Work With NECC?
NECC specializes in the environmental and restoration sectors, offering niche expertise that many general markets can’t match. Their flexible underwriting, access to top-rated carriers, and in-depth knowledge of environmental exposures make them a valuable partner for agents with restoration contractor clients. Whether you’re looking to place a water mitigation contractor with exposure to mold or a fire damage cleanup company responding to emergency claims, NECC can help find a tailored solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for contractors focused on water damage restoration, mold remediation, fire damage cleanup, and emergency environmental response.
Can I submit accounts primarily doing reconstruction work?
Yes, but only for Monoline CPL coverage. These accounts must carry separate CGL coverage with an A-rated carrier.
Is mold coverage included?
Mold coverage extensions may be available depending on the risk, but they are not offered for all accounts. Underwriting approval is required.
What are the standard limits and deductibles?
Standard limits start at $1M per occurrence with a $1M aggregate. Deductibles begin at $2,500 for CGL and $5,000 for CPL.
Which states is this program available in?
The program is available in most states, including CA, FL, TX, NY, and more. Availability may vary by risk and exposure.
Need help placing an account? Connect with a market specialist.