Overview of the Program From Environmental Insurance Agency
The Environmental Contractors Insurance program from Environmental Insurance Agency (EIA) is a wholesale excess & surplus lines solution built for agents and brokers placing environmental contractors. EIA leverages deep environmental market relationships to deliver tailored CGL, CPL and Professional Liability placements that address pollution exposures often excluded from standard liability policies.
Ideal Accounts and Appetite
This program fits a broad spectrum of environmental contractors, including:
- Asbestos and lead abatement contractors
- UST (underground storage tank) installers, removers and testers
- Environmental remediation and site cleanup firms
- Hazardous materials transporters and waste handlers
- Industrial cleaning, vacuum truck, and emergency response teams
Typical accounts are contractors with defined scopes of work, documented safety programs, and manageable estimated pollution exposures. EIA can consider higher limits and complex risks on a case-by-case basis; accounts with unresolved contamination or significant historic pollution liabilities may require additional underwriting detail or specialist markets.
Coverage Highlights and Advantages
- Commercial General Liability (CGL): Standard protection for bodily injury and property damage arising from operations.
- Contractors Pollution Liability (CPL): Third-party coverage for pollution incidents arising from on-site work. Available on occurrence or claims-made forms to match contract or buyer requirements.
- Professional Liability: Coverage for errors and omissions in professional environmental services such as investigations, reports, and project design.
- Capacity: Limits available up to $10 million, subject to insurer appetite and account specifics.
By packaging CGL, CPL and Professional coverage, EIA helps you reduce gaps between general liability and specialized pollution exposures—important for contract compliance and owner/GC requirements.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,500. EIA underwrites with a broad panel of admitted and non-admitted carriers, enabling flexible placement strategies across varied risk classes. Markets frequently deployed for this program include AIG, American Safety, Berkeley, Colony, Endurance, EIS, Evanston, Everest, Hudson, Liberty, Rockhill, Steadfast, XL, and Zurich.
When preparing submissions, include scope of work, past project history, safety programs, estimated annual revenues by class, loss run history, and any environmental assessments or corrective action plans. These items speed placement and help EIA match the right market and form.
Territories and Availability
The program is available in most U.S. states. EIA offers admitted coverage in select states and non-admitted options nationwide through its excess & surplus lines relationships. Availability includes (but is not limited to): 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.
Why Work With Environmental Insurance Agency
EIA is an experienced excess & surplus lines broker focused on environmental risk. Agents benefit from EIA’s direct carrier access, underwriting expertise, and faster placement for specialized environmental accounts. EIA works with agents to structure limits, retentions and forms that meet contract or regulatory needs while seeking competitive pricing.
Example placements you might bring to EIA: a mid-sized remediation contractor needing $5M of CPL on an occurrence basis for multiple active sites, or a vacuum truck operator requiring combined CGL/CPL limits with Professional Liability for monitoring and sampling services.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Environmental contractors with defined scopes of work—remediation firms, asbestos/lead abatement contractors, UST installers/removers, hazardous materials transporters, and industrial cleaning operators—are a good fit.
What coverages are included in the Environmental Contractors Insurance program?
EIA places Commercial General Liability (CGL), Contractors Pollution Liability (CPL), and Professional Liability, packaged to address both third-party pollution exposures and errors & omissions in environmental services.
Is this program available nationwide?
Yes. The program is available in most U.S. states. Admitted paper is offered in select states; non-admitted placements are available nationwide through EIA’s markets.
What is the minimum premium for this program?
Minimum premiums start at $2,500, though final pricing depends on class of business, limits requested, and loss experience.
Can CPL coverage be written on an occurrence basis?
Yes. Contractors Pollution Liability can be placed on either an occurrence or claims-made basis, depending on the account and carrier appetite.
Need help placing an account? Connect with a market specialist.