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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. ...

... risks associated with product contamination or failure. Whether your insured ...ods that face potential recall or contamination risks. Is a formal recall requ...

... food-borne illness incidents, contamination, and related crises. Our Business... cover both supplier and in-house contamination incidents?Yes, coverage applie...

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

... • Protects against accidental contamination and malicious tampering in produc...jury, physical damage, accidental contamination, malicious tampering, and regu...

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

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

...of risks, including pollution, contamination, and the release of hazardous sub...dents such as soil or groundwater contamination, air emissions, or accidental ...

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.

Transportation Pollution Liability (TPL) Insurance for Contractors Commercial Sector Insurance Brokers offers a focused Transportation Pollution Liability (TPL) program built for contractors who transport hazardous or pollutant materials as part of their operations. Whether you need a stand-alone TPL policy or a combined solution with Contractors Pollution Liability (CPL), this program addresses the coverage gap that can occur when pollution exposures arise during transport, loading, or unloading. Ideal Accounts and Appetite This program is designed for contractors and service providers that routinely move pollutant materials. Target classes include: Fuel and oil delivery contractors Environmental service and remediation firms Waste hauling companies Construction contractors transporting contaminated soil, chemicals, or other hazardous cargo We can handle small to mid-sized fleets as well as larger operations with more complex risk profiles. Typical fit: clients who make frequent fuel deliveries to job sites, haul contaminated soil away from excavations, or transport process chemicals as part of contracted services. Accounts that lack established fleet safety programs or that transport unapproved high-toxicity materials may be declined or require higher scrutiny. Coverage Highlights and Advantages Transportation Pollution Liability protects against property damage, third-party claims, and cleanup costs that result from pollution conditions caused by cargo in transit. Key coverages apply when the vehicle is being used in the insured’s operations, such as: Fuel or oil spills during transportation Accidental release of hazardous materials while en route Pollution incidents during loading or unloading at a job site Coverage can be written as a stand-alone TPL policy or paired with a Contractors Pollution Liability policy for broader environmental protection. With access to 15+ carriers, Commercial Sector Insurance Brokers provides flexible limits, endorsements, and tailored wording to match the insured’s exposure. Underwriting Notes and Minimum Premiums Minimum premiums start at $5,000 and vary by account size, cargo type, frequency of trips, and chosen coverage structure. Underwriting focuses on: Nature and quantity of materials transported Trip frequency and typical routes Fleet safety history, driver hiring and training practices Onsite loading/unloading procedures and pollution controls Submissions should include details on vehicle usage, specific cargo types, safety procedures, loss history, and any existing pollution or motor liability policies. Clean, complete submissions receive faster turnarounds. Territories and Availability This program is available in most states, through admitted and non-admitted carriers depending on state and market access. Coverage is currently offered in the following territories: AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY and Washington, D.C. Admitted options are available in select states; where admitted placement is not possible we work through E&S markets. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines broker, Commercial Sector Insurance Brokers specializes in placing niche and hard-to-place environmental risks. Our underwriting team understands the contractor transportation exposures that standard auto or general liability programs can miss. We offer: Direct access to 15+ carriers with pollution appetite Flexible admitted and non-admitted solutions where available Underwriting guidance to improve placement prospects Responsive service and quick turnaround on clean submissions Example scenarios: You may have a local fuel delivery contractor needing separate TPL limits because their primary auto policy excludes pollution—this program can provide targeted protection. Or you might place a remediation firm that transports excavated contaminated soil between sites and needs an integrated CPL + TPL package for full environmental liability coverage. Frequently Asked Questions What types of accounts are a good fit for this TPL program?Contractors who transport fuel, chemicals, or other pollutant materials—examples include fuel delivery companies, remediation firms, and construction contractors handling hazardous cargo. Can this coverage be written on a stand-alone basis?Yes. Transportation Pollution Liability is available as a stand-alone policy or can be packaged with a Contractors Pollution Liability (CPL) policy for broader environmental protection. What is the minimum premium for this program?Minimum premiums start at $5,000, though final pricing depends on cargo types, fleet size, loss history, and selected limits/terms. Is the program available in all states?The program is available in most states. Admitted and non-admitted options vary by state and carrier; we currently place business in over 45 states plus Washington, D.C. What information is needed to submit an account?Provide details on transported materials, vehicle usage, safety protocols, driver training, loss history, and any current pollution or motor liability policies. Need help placing an account? Connect with a market specialist.