Target Classes
- General Contractors
- Construction Managers
- Street and Road Contractors
- Maintenance Contractors
- Electrical Contractors
- Mechanical Contractors
- Demolition Contractors
- Environmental Contractors
- Aboveground and Underground Storage Tank Contractors
- Site Restoration and Cleanup Contractors
- Response Action/Emergency Spill Response Contractors
- Transformer/PCB Contractors
- Trade Contractors
- HVAC Contractors
- Industrial Contractors
Overview — Program from Legends Environmental Services
As a Brokerage General Agency, Legends Environmental Services places Contractors Pollution accounts with multiple markets to give agents access to broader environmental coverage than typical CGL endorsements. The program targets contractors with known pollutant-handling or disturbance exposures and can be structured for both project-specific and annual operations exposures. Coverage is underwritten to address third-party liability and remediation/cleanup costs arising from sudden and accidental releases as well as certain non-sudden conditions, depending on underwriting and market selection.
Coverage Highlights and Advantages
- Broad third-party pollution liability for bodily injury, property damage and environmental impairment.
- Coverage for on-site and off-site impacts and related cleanup costs where available by market.
- Project-specific and annual policies available depending on scope and exposure.
- Ability to access multiple carriers and markets to fit uncommon or higher-risk operations.
- Companion products available for abatement and asbestos/lead exposures to provide broader risk management solutions.
Ideal Accounts and Appetite
You should consider this program for contractors that disturb, handle, remove or transport regulated materials or operate where spills, leaks or contamination are realistic exposures. Typical good fits include:
- Contractors performing tank removal, replacement or remediation.
- Demolition and renovation firms that may encounter asbestos, lead or other contaminants.
- Environmental remediation and emergency spill response contractors.
- Electrical/transformer contractors working with PCBs or oil-filled equipment.
Accounts that typically require more focused review include long-term landfill work, sites with known legacy contamination without an effective remediation plan, or operations with persistent off-site migration risk. Contact us early on those exposures — we can often find market solutions or define reasonable restrictions.
Underwriting Notes and Minimum Premium
Standard submissions should include a completed CPO application. For project work, supply job specifications, background engineering reports and product descriptions. Legends Environmental Services places most accounts through multiple available markets (admitted and non-admitted where appropriate), so underwriting will consider the nature of the work, pollution controls in place, historical loss activity and client risk management practices. Minimum premium: $1,500. Please note that availability and specific terms vary by market and state.
Companion Products
- Asbestos/Lead Liability Insurance Products
- Contractors Abatement Liability
- Abatement Umbrella
Submission Requirements
- Completed CPO application
- For projects: job specifications, engineering background and product descriptions
*Receive a $25 Visa Gift Card with every Contractors Pollution Policy that is Bound* Now offering 12 1/2 % Commission*
Territories and Availability
Legends Environmental Services places Contractors Pollution coverage across most U.S. states and the District of Columbia. Availability and admitted status depend on the carrier selected — this program accesses multiple markets to match risk and regulatory needs. States served include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.
Why Work With Legends Environmental Services
As a brokerage general agency focused on environmental and contractors pollution risks, Legends Environmental Services brings underwriting relationships across multiple carriers and specialized knowledge of contractor exposures. We work with agents to structure project or annual programs, coordinate companion abatement products when needed, and guide submissions to the most appropriate markets to secure competitive terms. If you have a client with pollution exposure that needs dedicated coverage beyond standard CGL, this program is built to help you place that business.
Give me a call for more information about our Contractors Pollution Insurance program or any other products we offer.
Frequently Asked Questions
What types of accounts are a good fit for this Contractors Pollution program?
Contractors who disturb, remove or handle regulated materials — such as tank work, demolition/abatement, remediation, transformer work or emergency spill response — are good candidates. The program is designed for project-specific and annual contractor operations with measurable pollution exposures.
What do you need to submit to get a quote?
Provide a completed CPO application. For project work include job specifications, engineering/background reports and product descriptions. The more detail you can provide about controls, waste handling and emergency response procedures, the faster we can place the risk.
Are policies admitted in all states and which territories do you serve?
Legends Environmental Services places coverage in most states and D.C.; admitted vs. non-admitted placement depends on the carrier and state. We will recommend the appropriate market based on the account and regulatory requirements.
Is there a minimum premium or special underwriting concerns I should know about?
The program generally has a minimum premium of $1,500. Underwriters will review the scope of work, historical losses, pollutant types, and controls in place. Accounts with known legacy contamination or ongoing off-site migration require early discussion to determine market appetite.
Need help placing an account? Connect with a market specialist.