NOTE: Primary Supporting CGL/PL Required.
Overview of the Program from National Environmental Coverage Corporation
National Environmental Coverage Corporation (NECC) offers a specialized Umbrella / Excess Liability program designed to support environmental and specialty risks. This program provides commercial catastrophe liability coverage in excess of several key lines, including General Liability, Professional Liability, Pollution Liability, Automobile Liability, and Employers Liability. It's an excellent solution for agents and brokers who need to secure higher limits for clients operating in complex or high-risk sectors.
Ideal Accounts and Appetite
NECC is focused on environmental and technical classes that require unique coverage solutions. The program is ideal for insureds who work in environmental cleanup, consulting, remediation, or hazardous material handling. Whether your client is a contractor managing lead or asbestos abatement or an environmental engineer overseeing remediation projects, this program can offer the extra layer of protection they need.
Eligible classes include, but are not limited to:
- Asbestos Abatement
- Drillers (excluding oil & gas)
- Emergency Response Teams
- Environmental Consultants and Engineers
- Environmental Laboratories
- Hazardous Materials Handlers
- Lead Abatement Contractors
- Liquid Waste Remediation
- Medical & Infectious Waste Handlers
- PCB and Soil Remediation
- UST/AST Contractors
- Waste Brokers
- Wetlands Contractors
- And many more specialized environmental operations
Coverage Highlights and Advantages
This program utilizes a Commercial Catastrophe Liability Form to provide flexible coverage solutions over a wide range of exposures. It is structured to sit above primary policies such as CGL, PL, or Pollution Liability, offering your clients peace of mind when dealing with high-hazard operations or large contracts that require high limits.
- Base Limits: $1,000,000
- Maximum Limits: Up to $5,000,000
Underwriting Notes and Minimum Premiums
The program is underwritten on a non-admitted basis and is subject to underwriting approval. Occurrence form CPL and/or CGL may not be available for certain exposures. Mold coverage extensions are not offered for all risks. Prior acts coverage may be available with proof of continuous comparable claims-made coverage. Minimum premiums start at $1,500, with taxes and fees in addition to the base premium. Coverage availability and terms vary by exposure, risk characteristics, and location.
Territories and Availability
This Umbrella / Excess Liability program is available in most states across the U.S., including but not limited to CA, NY, TX, FL, IL, and PA. NECC offers broad national reach, making it easier for agents to place multi-state environmental risks under one umbrella.
Why Work with NECC?
With decades of experience in environmental and specialty insurance, NECC understands the nuances and liability exposures your clients face. Their underwriting team offers deep industry knowledge and fast, responsive service to help you secure the coverage your clients need quickly and efficiently. Whether you're placing a new remediation contractor or expanding coverage for a long-term environmental consultant, NECC is a reliable partner for high-quality umbrella and excess liability solutions.
Frequently Asked Questions
What types of accounts are a good fit for this Umbrella / Excess Liability program?
This program is ideal for environmental contractors, consultants, remediation specialists, hazardous materials handlers, and similar high-risk or technical operations.
What are the coverage limits available?
Base limits start at $1,000,000, with maximum limits available up to $5,000,000, depending on the risk profile and underwriting approval.
Is this program available nationwide?
Yes, the program is available in most U.S. states, including CA, NY, TX, FL, IL, and many others. Availability may vary based on the specific risk and location.
Are there any minimum premium requirements?
Yes, minimum premiums start at $1,500, with additional taxes and fees applicable. Final pricing depends on the risk characteristics and coverage structure.
Does this program require primary coverage to be in place?
Yes, a primary supporting CGL or PL policy is required in order to be eligible for this excess liability program.
Need help placing an account? Connect with a market specialist.