Overview of the Site Specific Pollution Insurance Program from Environmental Insurance Agency
Environmental Insurance Agency (EIA) offers a specialized Site Specific Pollution Insurance program designed for insureds with fixed facilities or locations that may pose environmental liabilities. This program provides a combination of Commercial General Liability (CGL) and Environmental Impairment Liability (EIL) coverage tailored to manage pollution exposures at specific sites. With access to a broad network of carriers—including AIG, Zurich, XL, and Steadfast—EIA delivers flexible solutions for agents and brokers placing complex environmental risks.
Ideal Accounts and Appetite
This program is an excellent fit for a range of industries and facilities, including:
- Manufacturing plants and industrial facilities
- Warehouses and distribution centers
- Recycling or waste management sites
- Storage yards and bulk chemical facilities
- Brownfield redevelopment projects
If you have clients operating sites with potential exposure to pollutants—whether from historical contamination or current operations—this program offers a viable solution. It’s also well-suited for insureds seeking coverage for lender or regulatory requirements.
Coverage Highlights and Advantages
- Claims-made coverage for both first-party and third-party environmental liabilities
- Protection against unknown historical pollution conditions
- Covers bodily injury, property damage, and cleanup costs arising from pollution events
- Can be packaged with CGL and EIL for streamlined protection
Whether your insured is concerned about a legacy contamination issue or the potential for new releases, this program offers comprehensive protection tailored to their site-specific needs.
Underwriting Notes and Minimum Premiums
The Site Specific Pollution Insurance program is written on a non-admitted basis in most states, although admitted options are available in select jurisdictions. Minimum premiums start at $2,500, making it accessible for a wide range of operations. Underwriting will consider the insured’s current and historical site use, risk controls, and environmental assessments.
Territories and Availability
This program is available in most U.S. states, including but not limited to California, Texas, Florida, New York, Illinois, and Pennsylvania. EIA currently offers coverage in all states except for a few exceptions. Contact EIA to verify availability in your client’s jurisdiction.
Why Work With Environmental Insurance Agency?
As an experienced Excess & Surplus Lines Broker, Environmental Insurance Agency focuses on environmental risk solutions. Their strong market access and underwriting insight help you navigate challenging environmental placements with confidence. The team at EIA works closely with agents and brokers to tailor coverage to the unique operations and risk profiles of your clients.
Whether you're placing a brownfield redevelopment project or a long-operating industrial plant, EIA provides competitive options and responsive service to help you close the deal.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Facilities with environmental exposure such as manufacturing plants, warehouses, recycling centers, and chemical storage sites are ideal candidates.
Does the policy cover historical pollution issues?
Yes, the program includes protection against unknown historical contamination at the insured location.
Is this coverage available nationwide?
The program is available in most U.S. states. Some limitations apply, so check with EIA for specific state availability.
What is the minimum premium for Site Specific Pollution Insurance?
The minimum premium starts at $2,500, depending on the risk characteristics and location.
Which carriers are used for this program?
EIA works with top environmental markets including AIG, Zurich, XL, Steadfast, and others to provide competitive terms.
Need help placing an account? Connect with a market specialist.