CMS, LLC offers a comprehensive Pollution Liability Insurance program designed to meet the needs of agents and brokers placing environmental and pollution-related risks. Whether your client is a contractor, consultant, manufacturer, or distributor, we provide access to flexible, non-admitted solutions backed by multiple carriers.
Overview of the Program From CMS
Our Pollution Liability Insurance program includes General Liability, Contractors Pollution Liability, Professional Liability, and Environmental Impairment Liability. These coverages are available on a package or standalone basis, making it easy to tailor solutions to fit your client’s operations and exposures.
Ideal Accounts and Appetite
We target a wide range of businesses involved in environmental operations or with pollution-related risks, including:
- Environmental and abatement contractors and consultants
- General and trade contractors with pollution exposures
- Manufacturers and distributors seeking product, site, or contractor pollution coverage
- Environmental consultants (excluding disaster restoration contractors)
For example, if you have a client who handles asbestos or mold remediation, or a manufacturer concerned about site contamination, we can help you place that business quickly and efficiently.
Coverage Highlights and Advantages
- General Liability (GL): Designed for environmental contractors and those needing products pollution or site pollution coverage.
- Contractors Pollution Liability (CPL): Coverages include lead, asbestos, mold remediation, and pollution liability during transportation.
- Professional Liability (PL): Coverage for environmental consultants for errors and omissions, excluding disaster restoration operations.
- Environmental Impairment Liability (EIL): Available on request, tailored to site-specific exposures.
- Coverage Basis: Offered on either Occurrence or Claims-Made forms.
- Limits Available: Up to $10,000,000 per occurrence / $10,000,000 aggregate.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,500 for a standard term or $4,000 for a two-year policy term. Submission requirements include a completed Acord application, program supplement, and current loss runs. Submissions can be emailed to
[email protected] or
[email protected], or faxed to (516)799-8602.
Territories and Availability
This program is available in the following states: New York (NY), New Jersey (NJ), Connecticut (CT), Pennsylvania (PA), and Florida (FL). All products are provided on a non-admitted basis, giving you the flexibility to serve hard-to-place risks.
Why Work With CMS on This Business
As a wholesale broker with access to a variety of environmental markets, CMS, LLC is positioned to support agents and brokers with fast, knowledgeable service. We understand the complexity of environmental exposures and can help you secure tailored solutions for your clients. Whether your client is a small contractor or a large manufacturer, we’ll help you put the right pieces together.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for environmental contractors, general and trade contractors with pollution exposures, environmental consultants, and manufacturers or distributors requiring pollution-related coverage.
Is this program available on an admitted basis?
No, all coverages are offered on a non-admitted basis through various carriers.
Which states is this program available in?
The Pollution Liability Insurance program is currently available in NY, NJ, CT, PA, and FL.
What are the minimum premium requirements?
Minimum premiums begin at $2,500 for a standard term and $4,000 for a two-year policy term.
What documentation is needed to submit a risk?
Submissions require a completed Acord application, a program-specific supplement, and current loss runs.
Need help placing an account? Connect with a market specialist.