This policy is intended to provide follow-form excess coverage over the Environmental Multi-Line Policy. It may also be used over Employers Liability and Auto coverage.
Overview — Environmental Multi-Line Excess from Bonding and Insurance Specialists Agency, Inc.
Bonding and Insurance Specialists Agency, Inc. offers an Environmental Multi-Line Excess program designed for agents who need follow-form excess capacity over environmental multi-line primary placements. The excess layer follows the terms and conditions of the underlying Environmental Multi-Line policy and can also be placed over Employers Liability and Auto primary coverages when appropriate. This program provides access to A.M. Best A-rated carriers that understand the complexities of environmental contracting risks.
Ideal Accounts and Appetite
- Mid-sized to large environmental remediation contractors with proven loss control programs.
- Environmental consultants and engineers who perform site assessments, sampling, and project management.
- Emergency response and restoration contractors working on pollution cleanup, spill response, and remediation projects.
- Accounts with established subcontractor controls and documented safety procedures.
Less desirable risks typically include accounts with repeated or large environmental legacy losses, unabated contamination exposures, or those without formal remediation procedures. Each submission is evaluated on operations, historical claims, controls, and contractual risk transfer.
Coverage Highlights and Advantages
- Follow-form excess wording to align with the insured’s primary Environmental Multi-Line policy for consistent coverage application.
- Flexibility to stack excess over Employers Liability and Auto where exposures justify.
- Placement with A.M. Best A-rated carriers for stronger carrier relationships and underwriting expertise.
- Underwriters experienced in environmental issues — quicker appetite decisions for common environmental contracting classes.
Underwriting Notes
Typical information requested on submission: completed environmental application, copies of the underlying environmental multi-line, loss runs (usually 5 years), descriptions of recent projects, subcontractor controls, and risk management programs. The program evaluates operations, client mix, historical losses, and whether work is performed on contaminated sites or active remediation projects.
Minimum premiums and attachment points vary by carrier and by account characteristics; please include loss runs and the underlying policy when requesting terms so we can provide an accurate indication.
Territories and Availability
Availability: 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, DC, WV, WI, WY. Coverage options and carrier appetite can vary by state — include location-specific details in your submission.
Why Work With Bonding and Insurance Specialists Agency, Inc. on This Program
- Specialized focus on environmental and contractor exposures — we understand the unique exposures faced by remediation and restoration firms.
- Access to A.M. Best A-rated carriers that provide excess capacity and experienced claims handling for environmental matters.
- Responsive underwriting and practical placement solutions for follow-form excess needs over environmental, employers liability, and auto lines.
Example Scenarios
- You have a remediation contractor performing soil vapor extraction and groundwater treatment with a strong safety record and five years of clean loss runs — this program can provide excess capacity that follows the Environmental Multi-Line primary.
- An environmental consulting firm that performs site assessments and oversight for redevelopment projects needs an excess layer to align with its primary environmental and employers liability coverages — this program can be positioned to follow-form over both lines.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts that fit best are environmental remediation contractors, environmental consultants/engineers, emergency response and restoration firms with documented safety and subcontractor controls, and generally stable loss histories. Risks with unresolved contamination or repeated large losses are less likely to be accepted.
Can this excess layer follow other primary lines besides the Environmental Multi-Line policy?
Yes. While the program is primarily designed to follow-form the Environmental Multi-Line policy, underwriters will consider following Employers Liability and Auto primary policies as part of a layered placement when the underlying terms and exposures align.
What submission materials speed an indication?
Provide a completed application, underlying Environmental Multi-Line policy, five years of loss runs, a description of operations and recent projects, and your risk management or subcontractor controls. Clear documentation of scope of work helps underwriters provide a timely indication.
Which states are eligible and do carriers vary by state?
The program is available in: 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, DC, WV, WI, WY. Carrier appetite and terms can vary by state, so include location-specific details in your submission.
Need help placing an account? Connect with a market specialist.