Ideal Accounts and Appetite
This program is tailored for commercial clients involved in transporting, collecting, or handling materials that pose a pollution risk during transit. Whether your client is a contractor hauling construction debris or a service provider managing medical waste, NECC has structured this program to fit a wide range of pollution-prone vehicle operations.
Examples of eligible classes include:
- Asbestos and Lead Haulers
- Construction Debris Transporters
- Environmental and General Contractors
- Dirty Dirt Haulers
- General Commodities (Solids)
- Medical / Infectious Waste Haulers
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- Recyclers
- Sludge Haulers
- Trash Haulers
- Used Oil Pickup Operators
- Vacuum Truck Operators
- And Many More!
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If you work with clients in waste management, environmental remediation, or any industry involving potentially polluting materials, this program offers a competitive and flexible pollution liability solution.
Coverage Highlights and Advantages
- Occurrence Form Coverage – Provides protection for pollution incidents that occur during the policy period, regardless of when they are reported.
- Pollution Liability Only – Designed specifically for pollution exposures related to scheduled vehicles.
- Customizable Limits – Base limits start at $1,000,000 per occurrence with a $1,000,000 aggregate; higher limits up to $5,000,000 are available.
- Broad Class Eligibility – Covers a wide range of vehicle uses and materials, from construction debris to medical waste and dirty dirt.
Underwriting Notes and Minimum Premiums
- Minimum Deductible: Starting at $2,500
- Minimum Premium: Starting at $2,500
Prior Acts (retroactive) coverage may be available with proof of continuous comparable claims-made coverage, subject to underwriting review. Some risks may receive limited or no retroactive coverage. Mold coverage extensions are not available for all classes. Coverage availability depends on risk details and location.
Territories and Availability
This program is available in most states nationwide, including but not limited to: CA, TX, FL, NY, IL, and PA. In total, coverage is offered in 48 states, making it highly accessible for agents working with clients across a wide geographic area.
Why Work With National Environmental Coverage Corporation?
NECC specializes in environmental and pollution-related insurance products. With a deep understanding of niche industry exposures and a dedicated underwriting approach, NECC helps agents secure tailored coverage for risks that traditional auto or general liability markets may decline. Whether you're working with a small local hauler or a regional waste services company, NECC provides responsive service and flexible solutions to help you meet your clients’ pollution liability needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors, waste haulers, recyclers, and transporters of materials like dirty dirt, used oil, medical waste, or construction debris.
Does this program include auto liability or physical damage?
No, this program is strictly for motor vehicle pollution liability and does not include MCS90, auto liability, or physical damage coverage.
What are the minimum premium and deductible requirements?
The minimum premium starts at $2,500, and deductibles begin at $2,500, depending on the risk profile and underwriting details.
Is retroactive coverage available?
Retroactive coverage may be available with proof of comparable continuous claims-made coverage and is subject to underwriting approval.
Which states is this program available in?
The program is available in 48 states, including AL, CA, FL, NY, TX, and many others. Availability may vary based on risk and exposure.
Need help placing an account? Connect with a market specialist.