Pollution Legal Liability Program from Bonding and Insurance Specialists Agency, Inc.
Bonding and Insurance Specialists Agency, Inc. (BISA) offers a specialized Pollution Legal Liability (PLL) program designed to help agents and brokers address the complex environmental exposures their commercial clients face. Whether your client owns, operates, or manages properties or industrial facilities, our PLL coverage is a flexible solution for managing cleanup responsibilities, third-party claims, and business interruption related to pollution incidents.
Ideal Accounts and Target Industries
This program is tailored for a broad range of insureds across industries where pollution liability is a concern. We have strong appetite for the following types of risks:
- Real estate owners and developers, including brownfield sites
- Manufacturing and industrial operations
- Food processing facilities
- Chemical manufacturers and distributors
- Bulk storage terminals and fuel distribution facilities
- Recycling operations and scrap yards
- Utilities and power generation facilities
- Waste treatment, storage, and disposal sites
If you have a client acquiring an older industrial site or one operating a facility with a history of hazardous material use, this program can help them manage legacy or future environmental exposures.
Coverage Highlights and Advantages
Our Pollution Legal Liability policy offers four modular coverage parts that can be selected based on your client’s specific risk profile:
- Pre-Retroactive Pollution Events: Covers cleanup, bodily injury, and property damage from pollution events that began before the policy’s retroactive date.
- Post-Retroactive Pollution Events: Covers events that commence after the retroactive date.
- Business Interruption: Includes loss of income resulting from covered pollution events.
- Non-Owned Locations: Covers pollution-related damages and cleanup at sites not owned by the insured but impacted by their operations.
Additional program features include:
- Coverage for both sudden and gradual pollution events
- On- and off-site cleanup cost protection
- Multi-year policy terms available
- Limits up to $25 million
- Customized coverage structures to match client needs
Underwriting Notes and Market Access
This is a non-admitted program written through A.M. Best “A” rated carriers, providing flexibility in form and underwriting. Our underwriting team evaluates site-specific risk factors, operations history, and environmental assessments when structuring terms. We work closely with agents to understand the exposure and tailor coverage accordingly.
Territories and Availability
The PLL program is available to agents and brokers placing business in most U.S. states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. BISA offers access in 49 states plus the District of Columbia, ensuring broad geographic reach for your environmental risk clients.
Why Work With Bonding and Insurance Specialists Agency, Inc.?
At BISA, we focus on providing tailored environmental liability solutions backed by strong carrier relationships and deep underwriting expertise. With our flexible policy design, responsive service, and broad market access, we make it easier for agents and brokers to place complex environmental accounts. Whether your client is facing regulatory cleanup obligations or concerned about third-party claims, we can help you deliver a comprehensive and competitive solution.
Frequently Asked Questions
What types of accounts are a good fit for this Pollution Legal Liability program?
We target a wide range of industries including real estate developers, manufacturers, recycling facilities, and chemical storage terminals. Any client with environmental exposure at owned or non-owned locations may be a good fit.
Can this policy cover past pollution events?
Yes, the policy has options to cover pollution events that commenced before the retroactive date, subject to underwriting approval.
Are multi-year policies available?
Yes, we offer multi-year policy terms, which can be beneficial for long-term project sites or acquisitions.
What limits are available through this program?
We can provide coverage limits up to $25 million, depending on the risk profile and underwriting review.
Is this program available nationwide?
This program is available in most U.S. states, including all major markets, with the exception of a few jurisdictions. Contact us for state-specific availability.
Need help placing an account? Connect with a market specialist.