Environmental consultants and contractors encounter a mix of professional exposures and pollution risks — from site assessments and remediation design to hazardous materials handling and monitoring. M.J. Hall & Company structures coverage options so you can place these accounts with confidence across a range of operations and risk profiles.
Ideal Accounts and Appetite
This program targets environmental professionals and contractors, including:
- Environmental consultants and engineers
- Site remediation and soil/groundwater contractors
- UST/AST testing, removal and compliance firms
- Hazardous materials handlers and abatement contractors
- Environmental testing and analytical laboratories
Examples you can place through this program: a small consulting firm performing Phase I/II site assessments for commercial real estate transactions, or a multi-site remediation contractor managing on-site soil excavation and disposal for industrial clients.
Coverage Highlights and Advantages
The program offers flexible structures to address both professional and pollution exposures. Available coverages include:
- Combined General Liability – standard protection for bodily injury, property damage and premises exposures.
- Contractors Pollution & Environmental Consultants Professional Liability – covers pollution incidents plus professional errors & omissions.
- General Liability combined with Contractors Pollution and Professional Liability – a bundled option for broader, consolidated protection.
- Contractors Pollution and Professional Liability – for operations that primarily need pollution and E&O cover but minimal GL.
- Fixed Site Pollution Liability – for pollution conditions tied to a specific owned or operated location.
Policy forms and limits are designed to fit small consulting practices through larger contractors with multiple sites. Our markets understand pollution technicalities and can consider tailored endorsements where appropriate.
Underwriting Notes and Minimum Premiums
M.J. Hall & Company works with multiple specialty carriers to provide competitive placement options. The program’s minimum premium starts at $2,500. Underwriters favor well-managed operations with clear safety and compliance programs.
When you submit an account, include a completed application, detailed scope of operations, and loss runs if available. For complex sites, documentation of procedures, qualifications and prior project experience will help speed review.
Territories and Availability
This program is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Admitted coverage is available in some states; depending on the carrier and risk characteristics, placements may be written on a non-admitted basis.
Why Work With M.J. Hall & Company?
As an experienced Excess & Surplus Lines Broker, M.J. Hall & Company focuses on complex and hard-to-place environmental risks. We combine technical underwriting expertise with access to specialty markets that understand pollution and professional liability nuances.
Our team can help structure combined GL/pollution/E&O packages, advise on appetite and documentation, and guide submissions toward the right markets. Contact M.J. Hall to discuss how this program can support your environmental accounts.