Environmental Contractors - Combination Policy from Intercorp, Inc.
Intercorp, Inc. offers a flexible, paper-friendly insurance solution designed for environmental contractors and consultants. Our Environmental Contractors - Combination Policy lets you package General Liability, Contractors Pollution Liability (CPL), and Professional Liability (E&O) into a single coordinated policy. You can combine any two of the three coverages or include all three, giving you control to match coverage to a client’s operations.
Bundling these exposures under one policy helps eliminate gaps and conflicts that sometimes occur when liability, pollution, and professional coverages are placed separately. Intercorp places this business through a variety of admitted and non-admitted markets to help you find terms that fit each account’s risk profile.
Ideal Accounts and Target Classes
This program suits a broad range of environmental service firms, including small to mid-size contractors and consulting shops. Typical classes we write include:
- Air quality monitoring and consulting
- Environmental compliance services
- Phase I, II, and III environmental site assessments
- Environmental remedial investigations
- Geotechnical and geophysical consulting
- Asbestos or lead abatement and mold remediation
- Storage tank installation, removal, and testing
- Groundwater and soil remediation
- Wetlands delineation and consulting
- Radon mitigation contracting and assessment
- Hazardous materials packaging and consulting
- Industrial hygiene and health & safety consulting
Accounts that perform field testing, small-to-midsize remediation projects, compliance audits, and consultant-only engagements are typically a good fit. Clients with specialized, high-severity industrial remediation or ongoing operations with unlimited pollutant exposures may require placement in specialized markets.
Coverage Highlights and Advantages
- Simplified policy administration — one carrier relationship and one effective date for combined exposures.
- Coordinated terms and limits to reduce gaps between GL, CPL, and professional E&O coverages.
- Flexible packaging — choose any two coverages or all three to reflect actual operations.
- Access to multiple markets through Intercorp to help secure competitive terms for non-standard risks.
For example, you might have a client who performs both mold remediation and indoor air quality consulting. With Intercorp’s combination policy you can address their pollution and professional exposures together, avoiding conflicting exclusions or duplicate coverage triggers.
Underwriting Considerations and Minimum Premiums
Submissions should include a completed application, detailed description of services, project history, and loss runs. Underwriting focuses on scope of operations, revenue by class, safety programs, and prior loss experience. Minimum premiums generally start around $2,500 but can vary by carrier, limits, and coverages selected.
Appetite and Typical Restrictions
We commonly place:
- Environmental consultants, site assessors, and small remediation firms
- Remedial investigators and contractors working on discrete projects
- Mold, asbestos, lead abatement, and radon mitigation contractors with documented procedures
We typically do not place accounts that require high-limit, long-term environmental indemnities for large industrial sites, or those with unresolved catastrophic losses. In borderline cases, we can often find specialist markets through our E&S placement options.
Territories and Availability
This program is available across the United States, including all 50 states and Washington, D.C. Intercorp can place business on admitted or non-admitted paper as appropriate for the account and state requirements.
Why Work with Intercorp, Inc.?
Intercorp is an experienced Excess & Surplus Lines broker with deep relationships in environmental markets. Our niche focus on environmental exposures, combined with access to multiple carriers, helps you secure coordinated coverage for complex risks. We provide responsive underwriting feedback and work with agents to tailor packages that balance price and protection.
Example Scenarios
- You have a small consulting firm that performs Phase I and Phase II ESAs plus limited groundwater sampling. You can package GL and Professional Liability to address both on- and off-site exposures.
- A mold remediation contractor also offers indoor air quality testing. Combining CPL and Professional Liability under one policy can reduce gaps and simplify claims handling if work overlaps.