Overview of the Program From Bonding and Insurance Specialists Agency, Inc.
Bonding and Insurance Specialists Agency, Inc. (BISA) offers a focused environmental contractors and consultants program built to address the specialized liabilities that arise from cleanup, abatement, and environmental consulting work. The product consolidates operations, professional liability, and pollution liability into a single integrated policy form, giving agents a streamlined placement option for accounts with environmental exposures.
Ideal Accounts and Appetite
This program is a strong fit for small to mid-size environmental service providers that perform hands-on remediation or provide technical consulting. Typical classes we place include:
- Asbestos, lead and mold abatement contractors
- Underground storage tank (UST) removal and remediation contractors
- Emergency hazmat or chemical spill response teams
- Environmental site assessment and consulting firms
- Soil and groundwater remediation contractors
Accounts that handle hazardous materials, respond to spills, or provide site investigation and remediation services are the core appetite. Higher-risk operations should include documentation of safety programs and experience — accounts with ongoing unremediated contamination or significant prior pollution claims may require additional underwriting review.
Coverage Highlights and Advantages
- Single integrated policy that combines operations, professional liability, and pollution liability to reduce coverage gaps.
- Available on either occurrence or claims-made forms to match client needs and transaction timing.
- Forms tailored for environmental exposures and contractor operations.
- Placement through A.M. Best A-rated carriers for strong financial backing.
Example placements: you might place a three-person mold-abatement contractor performing residential work, or a regional UST remediation contractor that needs pollution and professional liability coverage on one policy.
Underwriting Notes and Minimum Premiums
All business is placed with A.M. Best A-rated carriers. Submissions should include a clear description of operations, years in business, prior claims history, safety and quality control procedures, and any relevant licenses or certifications. BISA works with agents on both small and mid-size accounts; minimum premium requirements vary by carrier and account profile, so provide full details to get accurate terms.
Territories and Availability
The program is available in 49 states plus the District of Columbia and is written on a non-admitted basis. This allows flexible form and limit options for multistate or specialized risks.
Why Work With Bonding and Insurance Specialists Agency, Inc.
BISA brings focused underwriting expertise in environmental risk and access to top-rated marketplaces. Agents benefit from a single point of contact for technical environmental accounts, tailored forms for pollution exposures, and the ability to place both contractor and consultant operations on a consolidated policy. This helps reduce administrative complexity and potential coverage gaps when a client performs both remediation and consulting services.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for environmental contractors and consultants — including asbestos, lead, and mold abatement contractors, UST contractors, emergency response teams, and environmental consulting firms.
Is this program available in all states?
The program is available in 49 states and the District of Columbia, providing broad national availability for multi-state clients.
What form options are available for the policy?
Policies can be issued on either an "occurrence" or a "claims-made" basis. Choose the form that best matches the client’s operations and exposure timing.
Are the carriers A-rated?
Yes. All placements are written through carriers that carry an A rating from A.M. Best.
What underwriting information is required for submission?
Provide details on operations, years in business, current and prior projects, safety procedures, claims history, and any licenses or certifications. Photos, contracts, and client lists help speed underwriting for higher-risk accounts.
Need help placing an account? Connect with a market specialist.