Environmental Liability Insurance
Environmental exposures can lead to serious claims and lawsuits, especially for businesses involved in handling, transporting, or disposing of hazardous materials. J.M. Wilson Corp. offers a comprehensive Environmental Liability Insurance program designed to help agents and brokers place coverage for a wide range of environmental and non-environmental clients. Whether your insureds are environmental consultants, restoration contractors, or even HVAC or painting contractors, we provide access to competitive markets and tailored solutions that meet complex environmental risk needs.
Ideal Accounts and Industry Targets
- Underground and Aboveground Storage Tanks
- Environmental Consultants and Laboratories
- Environmental and Restoration Contractors
- Crop Sprayers (Ground Applicators only)
- Waste Facilities including Landfills and Recyclers
- Asbestos and Lead Abatement Services
- Site-Specific Pollution Risks
- Non-Environmental classes such as HVAC, Painting, Fire/Water Restoration, and Street/Road Contractors
Coverage Highlights and Advantages
- Limits of Liability available up to $17 million (varies by carrier)
- Separate limits for defense costs
- Worldwide coverage options
- Transit and Third-Party Transportation Pollution Liability
- Media and Technology coverage available
- Environmental Package policy available by endorsement
- Coverage from “A” rated carriers
Available Coverage Forms
- Commercial General Liability
- Pollution Liability
- Umbrella/Excess Liability
- Contractor’s Pollution Liability (CPL)
- Environmental Professional Liability (PL)
- Environmental Impairment Liability (EIL – Enviro Flex)
CPL - Contractor's Pollution Liability
- Exception for inadequate supervision of subcontractors under professional service exclusion
- Vehicle loading and unloading coverage
- Natural resource damage
- Non-owned disposal site coverage
PL - Environmental Professional Liability
- Claims-made & reported coverage
- Defined breach of professional duty
- Insured vs. Insured exclusion with exception for scheduled additional insureds
EIL - Environmental Impairment Liability - Enviro Flex
- Customized solutions for site-specific risks
- Products pollution and product recall
- Automatic acquisition coverage
- Restoration cost coverage
Underwriting Notes and Minimum Premiums
- Minimum premium for Storage Tanks: $500
- Minimum premium for Contractors and Consultants: $2,500
- Premiums may vary by territory and class
Territories and Market Access
J.M. Wilson Corp. offers Environmental Liability Insurance coverage in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a variety of admitted and non-admitted carriers, enabling us to find flexible solutions for both standard and hard-to-place risks.
Why Work With J.M. Wilson?
As a trusted Managing General Agency and E&S Lines Broker, J.M. Wilson brings deep knowledge of environmental exposures and strong market relationships to help you place tough risks. From mold remediation contractors to waste facility operators, we can help you find the right coverage for your clients’ specific needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for environmental contractors, consultants, storage tank operators, mold remediation companies, and even non-environmental contractors like HVAC or painting professionals who may have incidental pollution exposures.
Is coverage available for contractors doing asbestos or lead abatement?
Yes, asbestos and lead abatement contractors are among our targeted classes and can be considered for pollution liability and related coverages.
Are both admitted and non-admitted markets available?
Yes, J.M. Wilson represents multiple carriers, with options available in both admitted and non-admitted markets depending on the risk and territory.
What is the minimum premium for this program?
Minimum premiums vary by class and territory. For example, storage tank accounts start at $500, while minimums for contractors and consultants begin at $2,500.
Which states is this program available in?
This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.