Overview of the Program From M.J. Hall & Company
If you place environmental exposures, M.J. Hall & Company, Inc. provides access to flexible Environmental and Pollution Liability solutions through its wholesale Excess & Surplus Lines relationships. MJ Hall works with multiple carriers to place complex or non-standard pollution risks that may need tailored wording, combined coverages, or excess capacity.
Ideal Accounts and Appetite
This program targets contractors, consultants, and site operators with potential pollution exposures. Typical classes include:
- Environmental contractors (including mold remediation)
- Manufacturers and blenders handling hazardous materials
- Storage sites for pollutants, chemicals, or waste materials
- Environmental consultants requiring professional liability combined with pollution coverage
- Transportation and hauling firms needing pollution liability for cargo and operations
Accounts with third-party bodily injury or property damage exposure from sudden or gradual pollution, and those facing regulatory cleanup obligations, are a strong fit. Accounts primarily seeking standard GL with no pollution exposures are generally outside this program’s focus.
Coverage Highlights and Advantages
The program offers modular coverages you can combine to meet insureds’ needs:
- Environmental Liability – Third-party bodily injury, property damage, and remediation costs from pollution incidents.
- First-party Cleanup – Site remediation when cleanup is required by government authorities.
- Excess Liability – Limits available to follow form over primary environmental or other commercial policies.
- Limited GL and Auto Liability – Select GL/auto wording available for certain classes subject to underwriting.
- Mold Coverage – Included options for contractors and site operators where mold is an exposure.
- Professional Liability with Pollution – For consultants who need errors & omissions combined with pollution triggers.
Underwriters can tailor packages — for example combining pollution legal liability with contractor pollution liability for a remediation firm, or adding professional liability for an environmental consultant.
Underwriting Notes and Minimum Premiums
Submissions should include a completed application, recent loss history, and an environmental questionnaire when applicable. Minimum premiums typically begin at $2,500 and increase with exposure, limits, and breadth of coverage. Underwriting focuses on operations, materials handled, historical site conditions, controls in place, and loss trends.
Territories and Availability
This program is available in the following states: California, Arizona, Alaska, Hawaii, and Nevada. Both admitted and non-admitted placement options may be available depending on the carrier and risk.
Why Work With M.J. Hall & Company?
MJ Hall brings decades of wholesale experience and established carrier relationships for hard-to-place environmental risks. Their team provides responsive quotes, creative structuring, and access to multiple markets to help you secure terms for complicated or specialized operations. Working with MJ Hall can simplify placement for accounts that need combined pollution and professional liability solutions or excess capacity.
Call M.J. Hall for all of your Environmental and Pollution Liability Insurance needs today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program works well for environmental contractors, consultants, manufacturers, and storage or transport operations that handle or store pollutant materials and face potential cleanup or third-party liability exposures.
Can this coverage include mold or site-specific pollution exposures?
Yes. The program can include mold-related liability and site pollution coverage — including first-party cleanup costs when mandated by authorities — subject to underwriting review.
Is professional liability available for consultants?
Yes. Environmental consultants can be insured for professional liability combined with pollution liability where needed to cover both negligent professional acts and pollution incidents.
What states is the program available in?
The program is available in California, Arizona, Alaska, Hawaii, and Nevada. Admitted or non-admitted placement will depend on carrier appetite and the risk profile.
What is the minimum premium for this program?
Minimum premiums typically start at $2,500 or higher, varying by risk size, operations, and requested coverages.
Need help placing an account? Connect with a market specialist.