Overview of the Program from Midlands
Midlands’ Contractors Pollution Liability program provides broad protection for pollution conditions arising from construction operations, remediation work, transportation of polluted materials, and exposures at owned or leased locations. As a Managing General Agency and Excess & Surplus lines broker, Midlands places this business with multiple markets to secure competitive terms and capacity for your clients.
Ideal Accounts and Appetite
- General contractors and specialty contractors working on commercial, industrial, and municipal projects
- Remediation contractors and environmental consultants
- Contractors who transport contaminated materials or handle hazardous waste as part of their operations
- Owners or contractors needing coverage for owned or leased locations and completed operations exposures
Accounts with routine on-site disturbance, demolition, remediation activities, or transportation of potentially contaminated materials are a good fit. Risks with ongoing, unmanaged legacy contamination or large fixed-site remediation projects should be discussed up front with underwriting.
Available Coverage:
- Legal liability for pollution conditions caused by construction and remediation operations
- Defense costs in addition to policy limits (where available)
- Mold and microbial contamination coverage
- Third-party claims for bodily injury, property damage and environmental damage
- Excess liability, workers’ compensation, and auto liability available as package options
- Prior acts/retroactive coverage options available
- Completed operations coverage
- Transportation pollution liability for contaminated loads
- Coverage for owned or leased locations
Program Highlights:
Underwriting Notes and Minimum Premiums
Midlands underwriters evaluate risk on project scope, past loss history, pollution controls, transportation exposure, and site conditions. Typical submission information includes operations description, OSHA/environmental controls, loss runs, and details on prior contamination or remediation. Minimum premium: Varies by market and state; provide a submission for a tailored indication.
Territories and Availability
Program availability spans most U.S. states. Midlands places business through multiple markets and can often offer admitted or non-admitted solutions depending on the state and account characteristics. States served include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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 Midlands on Contractors Pollution Liability
- Wholesale brokerage and MGA access to multiple specialty markets to secure capacity and flexible forms
- Underwriters experienced in construction and environmental exposures who can tailor retroactive dates, transportation wording, and package solutions
- Ability to place project-specific or blanket contractor programs
- Competitive terms that address gaps in general liability for pollution, mold, and completed operations
Example client scenarios you might place through Midlands:
- A specialty abatement contractor performing mold and lead remediation on multiple commercial sites who needs transportation and completed operations pollution liability.
- A general contractor on a multi-phase redevelopment project requiring a blanket pollution program with occurrence or claims-made options and prior-acts coverage for consultant subcontractors.
Midlands understands that each business and project is unique. Let our underwriting team work with you to tailor Contractors Pollution Liability policies that satisfy your client’s requirements and regulatory realities.
Frequently Asked Questions
What types of contractor accounts are a good fit for Midlands’ Contractors Pollution Liability program?
Midlands targets general and specialty contractors, remediation contractors, environmental consultants, and contractors who transport contaminated materials. Accounts with on-site disturbance, demolition, remediation, or transportation exposures are typically a good fit.
What submission information does underwriting need to evaluate a risk?
Provide a description of operations, recent loss runs, details on environmental controls and training, any prior contamination or remediation history, and information about transportation exposures. Specific markets may request additional site reports or contractor safety documentation.
Are prior acts or retroactive dates available?
Yes. Prior acts (retroactive coverage) are available in many cases; availability and terms depend on the account, loss history, and the market selected. Discuss retroactive needs early in the submission.
Which states and forms are available through this program?
Midlands places business in most U.S. states listed in the program availability. Multiple markets allow admitted or non-admitted placement depending on the state and the account. Contact underwriting to confirm forms and admitted options for the client’s state.
Need help placing an account? Connect with a market specialist.