Ideal Accounts and Appetite
This program is designed for commercial clients that transport, collect, or handle materials with pollution risk during transit. NECC underwrites a broad range of vehicle operations, from contractors hauling construction debris to specialty haulers handling medical or industrial waste.
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 other pollution-prone vehicle operations
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If you place accounts in waste management, environmental remediation, or industries that move potentially polluting materials, this program provides a streamlined, targeted solution when traditional auto markets decline or cannot offer standalone pollution limits.
Coverage Highlights and Advantages
- Occurrence Form — coverage for pollution incidents that occur during the policy period, regardless of when they are reported.
- Pollution Liability Only — written as a monoline motor pollution policy for scheduled vehicles; does not include auto liability, MCS-90, or physical damage.
- Customizable Limits — base limits begin at $1,000,000 per occurrence / $1,000,000 aggregate; higher limits up to $5,000,000 are available subject to underwriting.
- Wide Class Eligibility — covers many vehicle types and materials, from construction debris and dirty dirt to used oil and medical/infectious waste.
Underwriting Notes and Minimums
- Minimum Deductible: Typically starts at $2,500.
- Minimum Premium: Typically starts at $2,500.
Prior acts (retroactive) coverage may be offered with proof of continuous comparable claims-made coverage; availability is subject to underwriting review and may be limited for some classes. Mold extensions are not universally available. Final availability and terms depend on the specific risk profile, vehicle schedule, cargo, and operating territory.
Territories and Availability
This non-admitted program is available in 48 states. States currently eligible include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Availability may vary by state and by specific exposures.
Why Work With National Environmental Coverage Corporation?
NECC focuses on environmental and pollution-related products for niche risks that mainstream auto markets often decline. Their underwriting is experienced in motor pollution exposures and structured to deliver practical, standalone pollution solutions for scheduled vehicles. Working with NECC gives you:
- Access to a pollution-only motor program tailored to haulers and specialty carriers.
- Flexible limits and endorsement options where available (including limited retroactive coverage when justified).
- Responsive underwriting that understands the operational details and regulatory sensitivities of waste and remediation transport.
Example Accounts
- You might have a regional recycler that picks up used oil and small quantities of contaminated solids and needs pollution limits separate from their auto policy; NECC can underwrite scheduled vehicles for that exposure.
- Or a contractor hauling contaminated soil from remediation sites who requires occurrence-form pollution coverage for each scheduled vehicle — this program is structured for that type of account.
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 such as dirty dirt, used oil, medical waste, or construction debris — essentially any scheduled vehicle operation with a pollution exposure in transit.
Does this program include auto liability or physical damage?
No. NECC's Monoline Motor Pollution Liability program is strictly for motor vehicle pollution liability and does not provide MCS-90, auto liability, or physical damage coverages.
What are the minimum premium and deductible requirements?
Minimum premium and deductibles typically start at $2,500, but final amounts depend on the risk profile, number of scheduled vehicles, cargo, and operating territory.
Is retroactive coverage available?
Retroactive coverage may be available with proof of comparable continuous claims-made coverage and is subject to underwriting approval; some risks may receive limited or no retroactive coverage.
Which states is this program available in?
The program is offered in 48 states (see Territories and Availability above). Specific availability and terms may vary by state and by the details of the exposure.
Need help placing an account? Connect with a market specialist.