Ideal Accounts and Appetite
This program targets environmental professionals and firms providing advisory or technical services, including:
- Environmental testing and auditing
- Air and noise monitoring
- Site remediation and project management
- Industrial hygiene consulting
- Water, land, and drainage management
- Conservation and sustainability planning
You might have a client who performs wetland delineation studies for developers or an engineering firm managing soil remediation at brownfield sites—both are examples that typically fit this program when operations and claims history are acceptable.
Coverage Highlights and Advantages
- Protection against claims for errors, omissions, and alleged professional negligence
- Policy language and limits structured specifically for environmental consultants, engineers, and service providers
- Access to E&S markets for hard-to-place or unusual risks
- Ability to consider multiple carriers and tailored terms depending on project scope and exposures
Underwriting Notes and Minimum Premiums
Underwriting is driven by the scope of services, project revenue, prior loss history, and key personnel qualifications. Typical submission materials include an application, resumes of key staff, a list of services, project history, and current insurance details. Minimum premiums vary by account; Insential will help package submissions to match carrier expectations.
Territories and Availability
This 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted options may be available in some jurisdictions; the majority of placements are through E&S markets.
Why Work With Insential?
Insential, Inc. offers dedicated environmental underwriting expertise and broad market access to help you place professional E&O risks. As a wholesale broker, Insential matches submission profiles to carriers that understand environmental exposures and can provide flexible terms for complex projects. Their team supports you from intake through binding to streamline placement and deliver solutions your clients need.
Let Insential’s environmental specialists help you place Environmental Errors & Omissions coverage. Call 888-571-6160 to get started.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Environmental consultants, engineers, industrial hygienists, and remediation contractors that provide professional services with environmental exposures are the primary targets for this program.
Can this E&O coverage be combined with other environmental liability policies?
Yes. Insential can help you explore options to complement E&O with pollution or environmental liability products, depending on the client’s operations and the carriers’ appetite.
What information is needed to submit an account?
Typical submissions include a completed application, resumes of key personnel, a list of services provided, project history, and current insurance details. Insential will guide you through any additional carrier requirements.
Is this program available in all states?
The program is available in most U.S. states. Availability and admitted options vary by state and by carrier, so Insential will confirm state-specific placement options during the submission process.
Which carriers are used for this program?
Carriers vary by account. Insential works with a range of A-rated E&S markets and select admitted carriers where available to find the best fit for each risk.
Need help placing an account? Connect with a market specialist.