Overview of the Site Specific Pollution Insurance Program from Environmental Insurance Agency
Environmental Insurance Agency (EIA) provides a focused Site Specific Pollution Insurance program designed for insureds with fixed sites that carry environmental exposures. The program is positioned for agents and brokers who need flexible placement options for location-based pollution risks. EIA leverages broad market access—working with carriers such as AIG, Zurich, XL, and Steadfast—to deliver tailored CGL + EIL solutions and standalone site pollution policies.
Ideal Accounts and Appetite
This program fits insureds with a defined site and known or potential pollution exposures, including:
- Manufacturing plants and light industrial facilities
- Warehouses, distribution centers, and logistics yards
- Recycling centers, transfer stations, and waste handling sites
- Bulk chemical or fuel storage yards
- Brownfield redevelopment projects and former industrial sites
Typical fits include sites with potential legacy contamination or current operations that could trigger cleanup and third-party claims. The program is less likely to accept accounts with active, high-volume petroleum refining, large-scale hazardous waste disposal operations, or sites with known, severe uncontrolled contamination without remediation plans.
Coverage Highlights and Advantages
- Claims-made coverage for first-party cleanup costs and third-party bodily injury and property damage from pollution events
- Protection for unknown historical contamination at the insured location
- Can be structured as CGL with embedded pollution or as standalone Site Specific Pollution / EIL limits
- Access to national environmental carriers through EIA’s wholesale placement relationships
These features make the program useful for meeting lender requirements, regulatory conditions, or contractually-driven coverage needs tied to a specific parcel or facility.
Underwriting Notes and Minimum Premiums
Policies are typically placed on a non-admitted basis in most states, with admitted options available in select jurisdictions. Underwriting evaluates current and historical site use, existing risk controls, environmental reports (Phase I/II when available), and ongoing remediation or monitoring programs. Minimum premium for site-specific placements starts at $2,500; actual pricing reflects site complexity, limits, and deductible structure.
Territories and Availability
The program is available in most U.S. states. EIA offers coverage across a broad territory including 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 and WY. Availability and admitted/non-admitted placement options can vary by state—confirm with EIA for a specific jurisdiction.
Why Work With Environmental Insurance Agency?
As an experienced Excess & Surplus Lines broker focused on environmental risks, EIA pairs underwriting knowledge with wide market access to place challenging site-specific accounts. Agents benefit from EIA’s ability to package CGL and EIL, place standalone pollution limits when necessary, and navigate admitted versus non-admitted options where available. The team provides practical underwriting guidance and helps assemble application materials that speed placement.
Example scenarios you can place through this program:
- A middle-market manufacturer looking for pollution limits to satisfy an industrial lease and lender conditions following an environmental assessment.
- A developer redeveloping a brownfield site who needs site-specific pollution coverage to satisfy local regulatory requirements during remediation and construction.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Facilities with defined site exposures—manufacturing, warehousing, recycling, chemical or fuel storage, and brownfield redevelopments—are typical fits.
Does the policy cover historical pollution issues?
Yes. The program includes protection for unknown historical contamination at the insured location, subject to underwriting and policy terms.
Is this coverage available nationwide?
Coverage is available in most U.S. states. Placement can be non-admitted in many jurisdictions; admitted options exist in select states. Check with EIA for state-specific availability.
What is the minimum premium for Site Specific Pollution Insurance?
Minimum premium generally starts at $2,500. Final premium depends on site characteristics, limits requested, and deductible structure.
Which carriers are used for this program?
EIA places site-specific environmental business with a range of carriers, including AIG, Zurich, XL, Steadfast and other environmental markets to secure competitive terms.
Need help placing an account? Connect with a market specialist.