Environmental consultants face a unique set of liabilities due to the nature of their work—whether it's assessing land for contamination, advising on remediation strategies, or managing hazardous materials. M.J. Hall & Company understands these exposures and provides a comprehensive solution to help agents and brokers place business with confidence.
Ideal Accounts and Appetite
This program is tailored for a wide range of environmental professionals, including:
- Environmental consultants and engineers
- Site remediation contractors
- UST/AST testing and removal firms
- Hazardous material handlers
- Environmental testing laboratories
You might have a client who performs site assessments for real estate transactions or manages soil remediation projects for industrial clients—these are both examples of accounts that fit well within our underwriting appetite.
Coverage Highlights and Advantages
Our Environmental Consultants Insurance program addresses the full spectrum of environmental exposures. Available coverages include:
- Combined General Liability – Standard protection for bodily injury, property damage, and more.
- Contractors Pollution & Environmental Consultants Professional Liability – Protects against pollution incidents and professional errors or omissions.
- General Liability combined with Contractors Pollution and Professional Liability – A convenient bundled option for broader protection.
- Contractors Pollution and Professional Liability – For contractors who may not need GL but still face pollution and E&O exposures.
- Fixed Site Pollution Liability – Coverage for pollution conditions tied to specific owned or operated locations.
By offering flexible policy structures, we’re able to meet the needs of both small consulting firms and larger multi-site contractors.
Underwriting Notes and Minimum Premiums
M.J. Hall & Company works with various carriers to bring agents competitive options across a range of risk profiles. The minimum premium for this program starts at $2,500. We review each submission carefully and look for well-managed operations with strong compliance practices.
Submissions should include completed applications, loss runs (if applicable), and details on the scope of work performed. Our underwriting team is experienced at evaluating environmental risks and can assist with structuring the right coverage package.
Territories and Availability
This program is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Admitted coverage is available in some states, while others may be placed on a non-admitted basis depending on carrier and risk specifics.
Why Work With M.J. Hall & Company?
As an experienced Excess & Surplus Lines Broker, M.J. Hall & Company has earned a reputation for placing complex and hard-to-place risks. Our environmental program is backed by a team that understands the regulatory landscape and technical details of pollution-related exposures. We offer access to a range of specialty markets and are committed to helping agents succeed by finding solutions that fit their clients’ needs.
Our agents are ready to discuss how our Environmental Consultants Insurance program can support your success. Contact M.J. Hall today to get started.