Overview of the Pollution Insurance Program from Ashley General Agency
Ashley General Agency offers a dedicated Pollution Insurance program designed for agents placing environmental exposures through an experienced managing general agency. We provide access to admitted and non-admitted markets (program is not admitted in any state) and several carriers including Markel, Hudson, ACE, Rockhill, Endurance and others to deliver flexible solutions for contractors, consultants, haulers and facility owners.
What this program covers
We can assemble a full range of pollution products to meet client needs, from primary Pollution Legal Liability (PLL) and Environmental Impairment Liability (EIL) to site pollution, storage tank coverage and policies for hazardous materials and waste haulers. Follow-form excess limits are available to build layered programs.
Ideal accounts and target classes
- Environmental engineers, consultants and remediation contractors
- Analytical testing firms and laboratories
- Hazardous materials and waste trucking/haulers
- Owners/operators of storage tanks and small industrial sites
- Sites requiring Site Pollution Liability or contractor’s pollution extensions
Coverage highlights and advantages
- Primary and excess layers, including follow-form excess available
- Specific forms for Environmental Impairment Liability and Site Pollution Liability
- Storage tank and sudden/gradual pollution options
- Capacity for hazardous trucking and waste hauler operations
- Underwriting by carriers experienced in environmental risks
Underwriting notes and appetite
Typical accounts that fit this program have documented environmental controls, formal sampling/testing procedures (for labs), and established waste handling processes for haulers. We prefer risks with clear scopes of work, standard operating procedures, and available loss history. Higher hazard or legacy contamination sites may require additional information, remedial plans, or placement in excess markets.
Minimum premium: $2,500. Submission requirements commonly include an ACORD application, copies of contracts or scopes of work, loss runs, phase I/II reports if available, and tank test/monitoring records for storage tank risks.
Territories and admitted status
This program is available in Texas. The program is not admitted in any state and is placed on a non-admitted/surplus lines basis where applicable. Agents should follow surplus lines filing and compliance rules for their state and their insured.
Example account scenarios
- You have a consulting firm that performs site assessments and needs Professional and Environmental Impairment Liability with pollution extensions — this program can tailor PLL and EIL limits with pollution legal liability endorsements.
- You have a hazardous materials hauler moving industrial waste regionally — we can place auto liability with pollution endorsements and a dedicated hauler pollution policy to cover cleanup and third-party claims.
Why work with Ashley General Agency
Ashley General Agency is a specialist MGA with direct relationships at multiple carriers that underwrite environmental exposures. We focus on practical placements, flexible policy forms, and layered solutions (including follow-form excess). Our team understands environmental contracts and can work with you to structure coverage that aligns with the insured’s operations and regulatory needs.
For more information on our Pollution program, call us today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
Environmental consultants, remediation and construction contractors, analytical testing labs, storage tank owners, and hazardous materials/waste haulers are the primary target classes. Accounts with documented controls and available loss history typically qualify.
Is this program admitted or non-admitted?
This program is not admitted in any state and is offered on a non-admitted/surplus lines basis. Submit according to your state’s surplus lines rules; the program is currently available in Texas.
What minimum premium and submission materials are required?
The program minimum premium is $2,500. Common submission items include an application, loss runs, scopes of work or contracts, and any environmental reports or tank records relevant to the risk.
Which coverages and limits are available?
We offer Pollution Legal Liability, Environmental Impairment Liability, Site Pollution Liability, storage tank coverage, hazardous trucking/hauler forms, and follow-form excess layers. Limits and endorsements depend on the carrier and risk profile.
How quickly can I expect a quote?
Turnaround depends on the complexity of the risk and completeness of the submission. Straightforward accounts with standard documentation can often be quoted in a few business days; more complex or legacy contamination risks will require additional underwriting time.
Need help placing an account? Connect with a market specialist.