U.S. Risk Insurance Group, Inc. offers a specialized wholesale insurance program for Certified Erosion, Sediment, and Storm Water Inspectors. The program is built to address the combined general, professional and environmental liability exposures that inspectors and small environmental consulting firms commonly face on construction sites and other field projects.
Ideal Accounts and Appetite
This program is best suited for certified individuals and firms that perform on-site inspections, monitoring, and compliance reporting related to storm water, erosion and sediment control. Typical accounts include:
- Third-party storm water management and NPDES compliance inspections
- Erosion and sediment control assessments for pre-construction and active sites
- Environmental consulting focused on site runoff, BMP implementation, and reporting
U.S. Risk can place solo practitioners, small inspection teams, and larger environmental consulting operations. The program accommodates routine site monitoring, project-based inspections, and compliance oversight tied to larger development projects.
Coverage Highlights and Advantages
- General Liability (GL) on an Occurrence form
- Professional Liability (PL) written on a CM form
- Pollution Liability included; available on CM and Occurrence forms
- Extensions for Transportation, Non-Owned Disposal Sites, and Premises Pollution
- Access to carriers rated A7 or better
- Rapid turnaround — quotes can often be issued and bound within 24 hours
- Underwriters will accept an ISO application for many submissions
The integrated GL/PL/pollution structure helps protect inspectors from claims arising from on-site observations, alleged reporting errors, and pollution events tied to runoff or waste handling. The pollution extensions are especially valuable where site operations or transport of soil and storm water present contamination risk.
Underwriting Notes and Minimum Premiums
- Minimum premium: $2,500
- Typical minimum deductible: $1,000
- Commission levels vary by line of coverage and carrier
U.S. Risk underwriters commonly work from standard ISO applications and can accommodate supplemental environmental questionnaires when needed. For time-sensitive projects, agents can expect expedited quoting and binding for straightforward risks.
Territories and Availability
The program is available in all 50 states and Washington, D.C. U.S. Risk places both admitted and non-admitted business depending on the state requirements and the specific account profile.
Why Work With U.S. Risk Insurance Group, Inc.?
As a specialty wholesale broker, U.S. Risk brings deep experience in environmental and niche professional liability placements. Their underwriting appetite, access to multiple carriers, and quick response times make them a practical option for agents placing accounts with combined GL/PL/pollution exposures.
Example: You might have a client who provides storm water inspections and compliance reporting for a large commercial development under local and federal oversight. This program can package GL, professional errors & omissions, and pollution liability to address inspection exposures, reporting errors, and potential runoff incidents on the project site.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for certified erosion, sediment, and storm water inspectors and environmental consultants who perform site assessments, monitoring, and compliance services for construction and land-disturbing activities.
What coverages are included in the program?
The program combines General Liability, Professional Liability, and Pollution Liability. GL is issued on an Occurrence form; PL and Pollution coverage are available on CM and Occurrence forms depending on the submission.
Can U.S. Risk quote and bind quickly?
Yes. For standard exposures with completed applications, U.S. Risk typically can provide quotes and bind coverage within 24 hours, which is helpful for clients with tight project schedules.
Is this program available nationwide?
Yes. The program is offered in all 50 states and Washington, D.C., with admitted or non-admitted placements used as appropriate for the state and account.
What is the minimum premium for this program?
The program’s minimum premium starts at $2,500, and the minimum deductible is typically $1,000. Final pricing depends on account details and selected limits.
Need help placing an account? Connect with a market specialist.