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...insureds recover quickly after contamination events, extortion threats, or pro...ed beverage manufacturer facing a contamination scare at one production line. ...

...with ongoing, unmanaged legacy contamination or large fixed-site remediation p... controls and training, any prior contamination or remediation history, and in...

... solutions designed for legacy contamination, contractor exposures, and other ...ty owners with suspected or known contamination, lenders managing REO assets, ...

...tection for unknown historical contamination. Coverage is written on a claims-...protection for unknown historical contamination at the insured location, subje...

Hazardous Materials & Hazardous Waste Haulers Insurance Program Freberg Environmental Insurance, Inc. (FEI) offers a specialized insurance program tailored for hazardous materials and hazardous waste haulers. Designed with the complex needs of environmental transportation in mind, this program helps agents and brokers secure comprehensive protection for clients engaged in hauling petroleum, chemicals, medical waste, and other regulated substances. Ideal Accounts and Appetite This program is built for businesses transporting high-risk materials. Target classes include: Petroleum and chemical haulers Compressed gas transporters Waste oil and sludge carriers Remediation contractors Medical waste and contaminated soil haulers Asbestos and solvent transporters Liquid asphalt and PCB fluid handlers Accounts involving radioactive materials, explosives, fireworks, military ordnance, or large objects such as cranes or oil field equipment are ineligible. Coverage Highlights and Advantages Coverages: • Auto Liability • Auto Physical Damage • Excess Auto Liability • Motor Truck Cargo • Commercial General Liability (CGL) for truckers Key policy endorsements include: ISO Broadened Pollution Form CA 99 48 10 01 MCS-90 All necessary state filings FHWA BMC-91x Filing Underwriting Notes and Driver Qualifications Available terms include $1,000,000 combined single limit (CSL), with Excess Auto limits up to $4,000,000 in excess of $1,000,000. Primary coverage is written through Arch Insurance Group. Excess Auto coverage is placed with members of W.R. Berkley companies, both carrying strong A.M. Best ratings ("A" XV and A+ XV, respectively). Driver Qualifications (Minimum): • CDL for two years with proper endorsements • 23 years of age minimum • No more than two combined violations and/or accidents in the past three years Territories and Availability This program is available in all U.S. states except Massachusetts (MA) and Alaska (AK). All required state filings are handled as part of the program. It is written on a non-admitted basis but supported by carriers with excellent financial strength and environmental expertise. Why Work With Freberg Environmental Insurance FEI is a trusted program administrator with deep roots in the environmental insurance space. Their underwriting team understands the nuances of hazardous materials transportation and offers responsive service to help agents place complex risks with confidence. With broad geographic reach, tailored coverage options, and strong carrier backing, FEI is a reliable partner for agents with clients in the environmental trucking sector. You might have a client who hauls medical waste across multiple states or a remediation contractor transporting contaminated soil from job sites—this program is designed to handle those risks efficiently and effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for haulers of petroleum, chemicals, medical waste, contaminated soil, and other hazardous materials. Remediation contractors and waste transporters are also a strong fit. Are there any types of cargo that are not eligible?Yes, the program excludes radioactive materials, Class I explosives, fireworks, military ordnance, and large objects like cranes or oil field equipment. Which states is this program available in?The program is available in all U.S. states except Massachusetts (MA) and Alaska (AK). What are the minimum driver requirements?Drivers must be at least 23 years old, have held a CDL with proper endorsements for at least two years, and have no more than two combined moving violations or accidents in the past three years. Who are the carriers backing this program?Primary coverage is written through Arch Insurance Group (A.M. Best “A” XV). Excess Auto coverage is underwritten by members of the W.R. Berkley companies (A.M. Best “A+” XV). Need help placing an account? Connect with a market specialist.

...he exposure is from accidental contamination, malicious tampering, unintention...face exposure to product recalls, contamination, or adverse publicity. What ma...

...operate where spills, leaks or contamination are realistic exposures. Typical ...place. Accounts with known legacy contamination or ongoing off-site migration ...

... shutdowns Spoilage and food contamination endorsements where available The...

Site Pollution Insurance, also called Environmental Impairment Liability (EIL), protects your clients from the financial and legal fallout of pollution incidents at, under, or emanating from their owned or leased properties. As regulatory scrutiny and awareness of environmental hazards increase, businesses can face substantial cleanup costs, third-party claims, business interruption, and reputational harm without the right coverage in place. Citadel Insurance Services places Site Pollution Insurance through a broad panel of markets, including Markel, Starr, AIG, Arch, and ACE. The program supports both admitted and non-admitted placements and is available nationwide across all 50 states and Washington, DC. Citadel’s wholesale underwriting relationships allow you to shop complex or overlooked pollution exposures efficiently. Ideal Accounts and Appetite This program is tailored for agents and brokers handling clients with site-based environmental risk that often goes unrecognized. Typical classes that fit well include: Chemical manufacturers and distributors Property owners, landlords, and real estate investors (including industrial parks) Medical clinics, laboratories, and testing facilities Recycling centers and waste management operations Petroleum product manufacturers and distributors Refineries and related industrial operations Examples: you might have a landlord of a small industrial complex with tenants who handle solvents, or a regional medical testing lab concerned about potential indoor air quality or legionella exposures—both are good fits for this program. Coverage Highlights and Advantages Site Pollution Insurance from Citadel is structured to address a range of on- and off-site environmental exposures. Common coverages include: Onsite and offsite cleanup and remediation costs Third-party bodily injury and property damage arising from pollution incidents Business interruption and loss of income tied to pollution events Coverage for emerging contaminants and indoor air quality issues such as mold and legionella (subject to underwriting) These coverages help clients manage costly surprises and demonstrate prudent risk transfer as environmental expectations evolve. Underwriting Notes and Minimum Premiums Minimum premiums in this program start at $2,500. Submissions should include thorough property and operations information: any known environmental history or prior releases, tenant profiles (if applicable), storage and handling of regulated materials, and current loss-control or mitigation practices. Citadel’s underwriting team can guide you on documentation, pollution-legal-liability (PLL) site assessments, and where admitted vs. surplus placement is most appropriate. Territories and Availability This program is available in all 50 states and Washington, DC. Citadel can place accounts on an admitted basis where available and advantageous, or on a non-admitted/surplus lines basis when the risk or coverage needs require it. Why Work With Citadel Insurance Services? As a wholesale broker focused on environmental and niche commercial lines, Citadel offers deep appetite knowledge, direct access to top carriers, and experienced underwriting support. Working through Citadel helps you: Access multiple markets quickly to improve placement options Receive practical underwriting guidance on complex or legacy exposures Place admitted or non-admitted coverage to match client and state requirements Obtain specialized terms for emerging contaminant exposures where appropriate Whether you’re placing a commercial landlord, an industrial operator, or a healthcare facility, Citadel can help you secure tailored pollution liability protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include chemical manufacturers, property owners, medical facilities, recycling centers, petroleum distributors, and other businesses with potential site-based environmental exposures. Is coverage available in all states?Yes. Citadel places Site Pollution Insurance in all 50 states and Washington, DC, using admitted or surplus markets as appropriate for the risk and jurisdiction. What is the minimum premium for this coverage?Minimum premiums typically start at $2,500, though final pricing depends on the nature, size, and loss history of the account. What types of pollutants are covered?Policies can address a wide range of contaminants—including volatile organic compounds, mold, legionella, and other indoor/outdoor pollutants—subject to underwriting and policy terms. Can this coverage be written on an admitted or non-admitted basis?Yes. Citadel has access to both admitted and non-admitted markets, providing flexibility to place coverage that meets client needs and state requirements. Need help placing an account? Connect with a market specialist.