Manufacturers and Distributors Insurance Program from Environmental Underwriting Solutions
Environmental Underwriting Solutions offers a wholesale insurance program designed for manufacturers, blenders, re-packagers, and distributors who handle environmentally sensitive or regulated products. The program blends Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution coverage to address the pollution and environmental exposures common to these operations.
Whether a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollution-focused protection. With flexible underwriting and access to multiple carriers, Environmental Underwriting Solutions helps brokers place complex environmental accounts that can be difficult to bind in standard markets.
Ideal Accounts and Target Classes
This program is a fit for a wide range of commercial operations, including:
- Manufacturers and blenders of industrial or specialty chemicals
- Re-packagers and contract packagers of hazardous or regulated materials
- Distributors and wholesalers of chemicals, paints, solvents, and cleaners
- Oilfield and energy-related product suppliers
- Water treatment chemical suppliers
- Manufacturers and distributors of environmental remediation equipment
If your client stores, repackages, or transports chemicals—or otherwise has an accidental-pollution exposure—this program is designed to address those risks.
Coverage Highlights and Program Features
Key coverages and options include:
- Commercial General Liability (CGL) with optional Products Pollution coverage
- Claims-made Environmental Impairment Liability (EIL), with facility-level customization
- Emergency response cost coverage for pollution incidents that require immediate action
- Transit Pollution Liability for goods in transport
- Optional Non-Owned Disposal Site coverage
- Per-location and per-project general aggregate limits
- Coverage for both new and pre-existing pollution conditions on scheduled properties
- Additional Pollution Legal Liability (PLL) for exposures tied to products, contracting, or transportation of goods and waste
- Primary liability forms may include broad form named insured and additional insured status; no premium audit provision on certain programs
Excess liability layers are available and can be tailored to include or exclude pollution, auto, and employers’ liability components as required.
Underwriting Notes and Minimum Premiums
This program is distributed on a wholesale basis with a minimum premium starting at $5,000. Competitive submissions typically include complete operational details, current loss history, site controls, safety programs, and information on storage/transport practices. Environmental Underwriting Solutions can accommodate a range of risk profiles, but accounts with strong loss control measures and clear documentation will receive the most favorable terms.
Example scenarios that commonly place well:
- A regional distributor that repackages industrial cleaners and maintains centralized, secondary-contained storage with modern spill controls.
- A small manufacturer of specialty coatings that ships product nationwide, needs transit pollution coverage, and has documented environmental management procedures.
Territories and Availability
The Manufacturers/Distributors program is available in most states, 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, WY
Coverage is typically placed on a non-admitted basis, although admitted options may be available in select states depending on carrier appetite.
Why Work With Environmental Underwriting Solutions?
As a wholesale broker specializing in environmental risk, Environmental Underwriting Solutions focuses on placing accounts with pollution and product-related exposures that standard carriers may decline or limit. Their strengths include:
- Deep niche expertise in environmental and pollution liability
- Access to multiple carriers and flexible program structures
- Responsive underwriting and the ability to tailor limits and endorsements by facility or project
- Experience placing accounts involving transit, disposal-site exposures, and product pollution
You’ll find this program helpful when your client’s operations require specialized pollution wording, emergency response provisions, or coverage for pre-existing conditions on scheduled properties.
Contact us for more information on our Manufacturers/Distributors program!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for manufacturers, blenders, re-packagers, and distributors of chemicals, paints, solvents, coatings, remediation equipment, and similar industrial products.
Does this program include pollution liability coverage?
Yes, the program includes Environmental Impairment Liability (EIL), Products Pollution, and options for Transit Pollution and Non-Owned Disposal Site coverage.
What is the minimum premium for this program?
The minimum premium starts at $5,000. Submissions with detailed risk information and strong controls may qualify for the most competitive terms.
Is coverage available in all states?
Coverage is available in most U.S. states, including CA, TX, FL, NY, and others. Availability can vary by risk class and carrier appetite.
What documentation is needed to submit an account?
Underwriters typically request operational details, loss history, facility information, storage/transport practices, and safety protocols to evaluate and quote the account.
Need help placing an account? Connect with a market specialist.