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Metcom Excess
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Metcom Excess
Contact Us
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Environmental Insurance

Metcom Excess has provided Environmental Insurance solutions since 1995. As a General Agency and Excess & Surplus Lines Broker, we represent top-tier carriers and place business in both admitted and non-admitted markets. Our underwriting expertise and market access let us handle a wide range of environmental risks — from small contractors and tank-only sites to large, complex manufacturing operations.

Ideal Accounts and Appetite

Our Environmental Insurance program is designed for commercial clients across the environmental services and fixed-site segments. Typical accounts include:
  • Environmental contractors and consultants
  • Engineering and remediation firms
  • Manufacturing facilities with potential pollution exposures
  • Sites with underground or above-ground storage tanks
  • Property owners or developers with fixed-site pollution risks
We write small tank-only placements up through large, multi-location fixed-site risks. If a submission has clear operations, documented loss history, and site descriptions, we can often produce fast, competitive terms.

Coverage Highlights and Advantages

We offer a range of coverages to address first- and third-party environmental exposures:
  • Contractors and Consultants: Third-party bodily injury and property damage, cleanup costs, and transportation of contaminated materials. We can package General Liability, Contractors Pollution Liability, and Professional Liability when appropriate.
  • Professional Liability: Stand-alone or combined coverage for claims arising from professional services, including acts, errors, or omissions.
  • Environmental Impairment Liability (Fixed Site): First- and third-party coverage for pollution conditions at, or emanating from, a fixed location — including cleanup and bodily injury/property damage.
  • Storage Tank Pollution: Coverage for sudden and gradual releases from scheduled underground or above-ground storage tanks.
Key features
  • Fast quote turnaround for complete submissions
  • Primary and excess layers available
  • Minimum premiums: $500 for tank-only accounts; $1,500 for packaged policies
  • Limits up to $10,000,000 per occurrence/aggregate
  • Minimum deductible: $1,000

Underwriting Notes and Minimum Premiums

Underwriting is risk-specific. We review operations, historical losses, and site conditions to determine placement options and whether an admitted or non-admitted market is appropriate. Minimum premiums begin at $500 for tank-only accounts and $1,500 for packaged policies. Complete submissions with clear operations, site descriptions, and loss history speed the quote process.

Territories and Availability

Metcom Excess currently writes Environmental Insurance in the following states:
  • Connecticut (CT)
  • Delaware (DE)
  • Maryland (MD)
  • New Jersey (NJ)
  • New York (NY)
  • North Carolina (NC)
  • Pennsylvania (PA)
  • South Carolina (SC)
  • Virginia (VA)
Some markets are admitted depending on the state and risk. Contact our team to determine admitted versus non-admitted options for a specific submission.

Why Work With Metcom Excess?

With nearly three decades focused on environmental underwriting, Metcom Excess offers specialized knowledge, responsive service, and broad market access. Our team works with agents to structure flexible solutions, combine appropriate coverages, and secure timely terms. Whether you have a small contractor needing basic pollution coverage or a complex fixed-site exposure requiring layered protection, we partner with you to find a placement.

Frequently Asked Questions

What types of accounts are a good fit for this Environmental Insurance program?

This program fits environmental contractors, consultants, remediation and engineering firms, fixed-site facility owners, and businesses with underground or above-ground storage tanks.

Can I get a quote for a small contractor or tank-only account?

Yes. We accept accounts of all sizes. Minimum premiums start at $500 for tank-only policies and $1,500 for packaged coverage.

Are combined policies available?

Often, yes. We frequently combine General Liability, Contractors Pollution Liability, and Professional Liability into a single policy when it streamlines coverage and fits the risk.

What states is this program available in?

We currently offer coverage in CT, DE, MD, NJ, NY, NC, PA, SC, and VA. Admitted availability varies by state and risk.

How quickly can I get a quote?

We provide fast turnaround for complete submissions. Including operations details, site descriptions, and loss history helps us produce terms more quickly.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    "A" or better
  • Commission:
    10%
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Contractors & Consultants Application
    Company Brochures or other marketing materials or WEBSITE: __________________________.
    􀂅 Resumes, Licenses, Certificates for Key Personnel only.
    􀂅 Most recent audited financials.
    􀂅 Three years of currently valued loss runs for each line of coverage desired.
    􀂅 Sample standard contract(s) used with clients, subcontractors, and others.
    􀂅 A list and description of services typically subcontracted to others.
  • Environmental Impairment Liabiliy
  • Storage Tank Application

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Metcom Excess has other insurance programs like Coastal Homeowner Program.