Overview — Contractor Pollution Liability Package from Continental Risk /Continental Marine Insurance Services
Continental Risk /Continental Marine Insurance Services offers an Environmental Engineers, Consultants and Contractors (ECC) package designed for environmental contractors, engineers and consultants. This flexible package combines commercial general liability (CGL), contractor pollution liability (CPL) and professional liability into a single policy form so you can place mixed-exposure accounts with one market and one submission.
Program Features and Strengths
- Worldwide coverages available for on-site operations and completed operations.
- Separate limits for defense to preserve indemnity limits.
- Transit coverage for pollutant transport and materials in transit.
- Media & Technology coverage for consultants and firms that provide digital deliverables.
- Owner/Contractor and Railroad Protective policies available in conjunction with the package.
- OCP (Owner’s Contractor Pollution) policies available alongside package placements.
- Excess policy capacity available to build limits over the package.
- Project-specific CPL policies available up to five years.
- Competitive pricing backed by an A-rated carrier and wholesale-broker distribution.
- Loss control support — loss control manuals provided to each insured; mold-specific loss control materials available.
Ideal Accounts and Appetite
This program is aimed at agents who place environmental contractors, consulting engineers, geotechnical and environmental consultants, remediation subcontractors, tank and excavation contractors, and firms that deliver both technical advice and on-site remediation work. Typical accounts that fit best:
- Small-to-mid sized environmental contractors performing site remediation, soil excavation, UST removals and similar work;
- Consulting firms that perform Phase I/II site assessments, monitoring and reporting;
- Mixed operations that need both professional error & omission protection and pollution liability for on-site work;
- Clients needing project-specific wrap or CPL terms for longer remediation projects (up to five years).
Coverage Highlights and Advantages
- Integrated CGL, CPL and professional liability — fewer gaps between policy sections and fewer carriers to manage.
- Separate defense limits help protect indemnity limits for costly environmental defense actions.
- Transit and media/technology options reduce need for supplemental endorsements or separate policies.
- Project-specific CPL available for long-duration contracts and complex remediation timelines.
- Access to excess capacity and A-rated paper through Continental Risk’s wholesale broking channel.
Underwriting Notes and Minimum Premium
Continental Risk /Continental Marine Insurance Services underwrites on a per-account basis. Key submission items include completed applications, scope of work or contracts, recent loss runs, and details on safety, training and environmental controls. Minimum premium for the program is $2,500.00. Policies may be written admitted in states where admitted paper is offered; otherwise non-admitted placement is used depending on jurisdiction and risk characteristics.
Territories and Availability
The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Admitted paper is available in some states; Continental Risk will advise whether an admitted or non-admitted placement is appropriate for each account.
Why Place This Business With Continental Risk /Continental Marine Insurance Services
- Wholesale broker access to an A-rated carrier experienced in environmental and professional risks.
- Single-package solution that reduces coverage gaps between CGL, CPL and professional liability.
- Dedicated loss control materials and underwriting support to help close submissions.
- Competitive pricing and excess capacity options to meet client limit needs.
Example Accounts
- You might have a mid-size remediation contractor bidding on a multi-year groundwater cleanup. The project-specific CPL (up to five years) plus CGL and professional liability in a single package simplifies placement and renewals.
- You might represent a consulting firm that provides site assessments and oversight of subcontracted excavation. The package’s media & technology and professional coverage help protect against both field operations and report errors.
Frequently Asked Questions
What types of accounts are a good fit for this ECC package?
Firms that combine on-site work and technical services — environmental contractors, remediation subcontractors, and consulting engineers — typically fit well. The program works best for small-to-mid-sized operations with documented safety controls and no ongoing, large undisclosed pollution liabilities.
Which coverage parts are included in the package?
The package includes commercial general liability (CGL), contractor pollution liability (CPL) and professional liability. Transit, media & technology, OCP and railroad protective coverage options are available as endorsements or in conjunction with the package.
Is admitted paper available?
Admitted placements are available in some states; where admitted paper is not offered, Continental Risk will place coverage on a non-admitted basis as needed. State availability and placement form depend on the jurisdiction and risk profile.
What are the submission requirements and minimum premium?
Typical submissions should include a completed application, scope of work or contracts, loss runs, and loss control information. The program minimum premium is $2,500.00; final terms depend on exposure, limits and loss history.
Need help placing an account? Connect with a market specialist.