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Specialized Mold Coverage for Construction Contractors National Environmental Coverage Corporation (NECC) offers a specialized Mold Coverage program for construction-related contractors who face environmental liability from mold contamination. The program provides an occurrence-form Contractors Pollution Liability (CPL) policy as the core coverage, with an optional claims-made Mold Extension. This gives agents a placement option for mold exposures that are often excluded or limited on standard General Liability policies. Ideal Accounts and Target Classes This program fits a broad range of specialty and general contractors working on construction, renovation, remediation, and maintenance projects. NECC partners with agents and brokers placing accounts in these eligible classes: Carpentry Construction Electrical HVAC Industrial Maintenance Insulation / Fire Proofing Masonry Plumbing Restoration Roofing – and others Typical exclusions include contractors involved with Artificial Stucco / EIFS, paper residential general contractors (GCs without direct operations), manufacturers, distributors, real estate developers, and home builders. Coverage Highlights and Advantages Occurrence-form Contractors Pollution Liability (CPL) as the policy base Optional Mold Extension provided on a claims-made basis Coverage tailored to mold and other environmental exposures arising from construction and remediation work Prior acts (retroactive) coverage can be considered with proof of comparable continuous claims-made coverage and underwriting approval This program is designed to protect insureds from third-party liability and remediation costs tied to mold discovered during or after construction activities—an increasingly frequent and costly exposure for contractors. Underwriting Notes and Minimum Premiums Minimum premiums generally start at $4,000 and increase based on class of business, location, operations, and the scale of exposure. Underwriters will review key submission items such as detailed scope of work, loss runs, and prior insurance history. Prior acts or retroactive date requests require proof of continuous comparable claims-made coverage and are evaluated on a case-by-case basis; in some cases retroactive coverage may be limited or unavailable. Territories and Availability NECC places this program nationwide and offers access in all 50 states, including major markets such as California, Texas, Florida, New York, and Illinois. Agents should confirm availability and any state-specific requirements during submission, but broad geographic flexibility makes this a practical option for multi-state books of contractor business. Why Work With National Environmental Coverage Corporation NECC focuses on environmental liability programs with deep construction-related expertise. Agents benefit from an underwriter-led approach, tailored solutions for hard-to-place mold exposures, and national distribution. NECC’s program is intended to bridge gaps left by standard GL policies and to provide workable limits and terms for contractors with documented operations and loss control practices. Example placements you might consider: A restoration contractor performing post-flood remediation that needs protection for potential mold claims discovered after services are completed. A roofing or HVAC subcontractor concerned about latent mold claims tied to water intrusion or system failures on occupied buildings. Frequently Asked Questions What types of accounts are a good fit for this program?Contractors in trades such as HVAC, plumbing, roofing, restoration, masonry, insulation, and related specialties are typically good fits—especially when their operations expose them to potential mold growth on job sites. Is mold coverage offered on an occurrence or claims-made basis?The core CPL is written on an occurrence basis. The optional mold extension is offered on a claims-made basis and is subject to underwriting approval and potential retroactive date requirements. Are paper general contractors eligible?No. Paper residential GCs (those without direct construction operations), real estate developers, and home builders are excluded from this program. Can prior acts coverage be included?Prior acts (retroactive) coverage may be available if the applicant can show continuous comparable claims-made coverage. Each request is reviewed by underwriting and may be limited based on loss history and continuity documentation. In which states is this program available?This program is available nationwide; NECC places coverage in all 50 states, including major markets such as California, Texas, Florida, New York, and Illinois. Need help placing an account? Connect with a market specialist.

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Pollution Legal Liability Program from Bonding and Insurance Specialists Agency, Inc. Bonding and Insurance Specialists Agency, Inc. (BISA) offers a focused Pollution Legal Liability (PLL) program that helps agents and brokers place environmental risk for commercial clients. Whether your client owns, operates, or manages industrial facilities, commercial real estate, or brownfield sites, BISA’s PLL provides flexible protection for cleanup costs, third-party claims, and business interruption arising from pollution incidents. Ideal Accounts and Target Industries This program fits a broad set of insureds where environmental exposures are a concern. BISA has a strong appetite for: Real estate owners, developers, and redevelopments (including brownfields) Manufacturing and industrial operations Food processing facilities Chemical manufacturers and distributors Bulk storage terminals and fuel distribution facilities Recycling operations, transfer stations, and scrap yards Utilities and power generation sites Waste treatment, storage, and disposal locations If you are placing a client acquiring an older industrial site or operating a facility with a history of hazardous material use, this program can address both legacy and future pollution exposures. Coverage Highlights and Advantages BISA’s PLL policy is modular so coverage can be tailored to the insured’s exposures. Key parts include: Pre-retroactive pollution events: Coverage for cleanup, bodily injury, and property damage from pollution that began before the policy’s retroactive date (subject to underwriting). Post-retroactive pollution events: Coverage for events that commence after the retroactive date. Business interruption: Loss of income and extra expense resulting from a covered pollution event. Non-owned locations: Protection for pollution conditions at sites the insured does not own but that are impacted by the insured’s operations. Additional advantages: Coverage for both sudden and gradual pollution releases On-site and off-site cleanup cost protection Multi-year policy terms available for long-running projects or acquisitions Limits available up to $25 million Customizable coverage structures to match transaction or operational needs Underwriting Notes and Market Position This is a non-admitted program underwritten through A.M. Best “A” rated carriers, giving BISA flexibility in form and terms. Underwriters review site-specific factors such as historical operations, existing environmental assessments, current operations, storage and handling practices, and remediation history when structuring terms. BISA works closely with agents to assess exposures and design appropriate limits, retroactive dates, and coverage parts. Typical Appetite and Common Restrictions BISA generally prefers accounts with documented environmental assessments and manageable historical issues. High-severity, actively uncontrolled contamination, long-term mass contamination without remediation plans, or sites subject to ongoing enforcement actions may face additional underwriting scrutiny or require risk mitigation before terms can be offered. Example Account Scenarios You might have a client purchasing a former manufacturing site with Phase I/II reports completed; BISA can structure a multi-year PLL to address identified historical soil and groundwater issues. You may represent a mid-sized food processor with on-site fuel storage and waste handling; the PLL can provide on- and off-site cleanup coverage and business interruption protection in the event of a release. Territories and Availability The PLL program is available through BISA in most U.S. states, including major markets such as CA, TX, NY, FL, IL, PA, OH, GA, and WA. BISA provides access in 49 states plus the District of Columbia; contact BISA for state-specific availability and any jurisdictional exceptions. Why Work With Bonding and Insurance Specialists Agency, Inc.? BISA combines focused environmental underwriting expertise with strong carrier relationships to deliver tailored PLL solutions. As a non-admitted program placed through A.M. Best “A” rated markets, BISA offers flexibility in policy form and structure, experienced risk evaluation, and responsive service to help you place complex environmental accounts more efficiently. Frequently Asked Questions What types of accounts are a good fit for this Pollution Legal Liability program? We target a wide range of industries including real estate developers, manufacturers, recycling facilities, and chemical storage terminals. Any client with environmental exposure at owned or non-owned locations may be a good fit. Can this policy cover past pollution events? Yes. The policy can include coverage for pollution events that commenced before the retroactive date, subject to underwriting review and documented site conditions. Are multi-year policies available? Yes. Multi-year terms are available and can be useful for long-term remediation projects or acquisition-related coverage. What limits are available through this program? Limits are available up to $25 million, depending on the risk profile and underwriting assessment. Is this program available nationwide? This program is available in most U.S. states, with coverage offered in 49 states plus the District of Columbia. Contact us for state-specific availability and any exceptions. Need help placing an account? Connect with a market specialist.