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Overview — Legends Environmental Services: Environmental Contractors Insurance Legends Environmental Services offers targeted Environmental Contractors Insurance programs designed for brokers placing remediation, abatement, spill response, and other pollution-exposure contractors. Our products are tailored to the unique risks environmental service firms face, helping you place complex accounts with confidence through flexible, non-admitted solutions. Core Programs We provide three focused program options so you can match coverage to the insured’s operations: Remediation Contractors Coverage – For firms performing soil and groundwater cleanup, site restoration, and related remediation work. Asbestos and Lead Abatement Liability – Designed for contractors who remove or remediate asbestos, lead paint, and similar hazardous materials. Monoline Contractors Pollution Liability – Standalone pollution liability for environmental and non-environmental contractors requiring only pollution protection. Optional add-ons include contractor bonds, supplemental auto liability, and contractor equipment liability so you can assemble a complete package that fits a client’s operations and contractual obligations. Ideal Classes of Business: Asbestos & lead abatement contractors Tank and pipe cleaning services Medical and infectious waste handlers Indoor air quality specialists Drilling contractors (UST/AST) PCB cleanup contractors Emergency spill response teams Wetlands restoration and construction Soil and liquid waste remediation firms Hazardous material packing & transport Other specialized environmental trades Coverage Highlights: Flexible liability forms: occurrence and claims-made available depending on the account and carrier. Monoline or package structures to match contractor needs and contractual exposures. Pollution liability tailored to environmental exposures typical of remediation, abatement, and emergency response work. Supplemental options for auto liability, equipment, and contractor bonds to reduce coverage gaps. Underwriting & Minimum Premiums: Programs are placed on a non-admitted basis through a panel of specialty carriers. Minimum premiums begin at $4,000, with final pricing dependent on scope of operations, limits, and loss history. Legends works closely with brokers to evaluate exposures and present competitive options for accounts that are difficult to place in standard markets. Availability: This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Legends Environmental Services currently offers coverage in 49 states and Washington, DC. Please confirm availability for a specific client state when submitting. Why Work With Legends Environmental Services? Legends combines niche environmental underwriting expertise with access to multiple specialty markets. As both a general agency and market partner, we streamline placement for environmental contractors—especially accounts with higher hazard profiles or unusual operations. Brokers benefit from experienced intake, pragmatic underwriting, and options to assemble monoline or package placements under one program. Example Accounts That Fit You have a regional remediation contractor who performs groundwater treatment and soil excavation for industrial sites. They need pollution liability plus equipment coverage and contractual liability for owner-mandated limits—this program can assemble those pieces. You represent a small abatement firm that performs asbestos and lead removal for renovation projects. They require abatement liability and supplemental auto coverage; Legends’ abatement product lines are designed for this profile. If you have a contractor client involved in hazardous material handling, spill response, or site remediation and need pollution liability that addresses complex exposures, Legends has the underwriting expertise and market access to help you secure appropriate coverage. To discuss a submission, call 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program? We specialize in environmental contractors such as asbestos and lead abatement firms, remediation contractors, emergency response teams, and hazardous waste handlers. Is this program available on an admitted basis? No. Coverage under these programs is written on a non-admitted basis through a variety of specialty carriers. What is the minimum premium for this program? Minimum premiums start at $4,000, though final pricing depends on operations, limits, and loss history. Can I package pollution liability with other coverages? Yes. Legends offers both monoline pollution liability and package options, plus supplemental auto liability and equipment coverage to create broader protection. Which states is this program available in? Coverage is offered in 49 states and Washington, DC. Contact us to confirm specific state availability for your client. Need help placing an account? Connect with a market specialist.

Legends Environmental Services offers a specialized Convenience Stores Insurance Program built to address the distinct risks convenience store owners face. Whether your client runs a small neighborhood store, a high-volume urban location, or a multi-site operation with gas pumps and liquor sales, we work with you to design a tailored insurance placement. The program is available in most states and provides access to multiple markets, giving you flexibility when placing business. Ideal Accounts and Appetite This program fits a broad range of convenience store operations, including: Standalone convenience stores Stores with gasoline sales and canopy-covered pumps Locations with liquor and tobacco sales 24-hour operations Multi-location businesses You might have a client who runs a busy urban store with late-night hours and high foot traffic, or a rural location that includes fuel services and a small deli. The program’s appetite is broad enough to handle both scenarios, subject to underwriting review. Coverage Highlights and Advantages Available coverages are designed to protect against common and complex exposures in the convenience store industry. Options include: Property Food Spoilage Canopy and Gasoline Pumps Liquor Liability General Liability Workers’ Compensation Commercial Auto Umbrella Building and Personal Property Business Income Contents Coverage From slips-and-falls and theft to employee injuries and equipment breakdowns, the program is structured to manage the full spectrum of potential losses common to convenience stores. Underwriting Notes and Minimum Premiums To deliver a competitive quote, Legends requires a complete submission. Required items include: Four years of loss runs (or fewer if the business is newer) Owner’s statement of qualifications Completed application We will Not be able to quote without a Complete Submission. Minimum premium varies by account size, coverages selected, and market. Most markets are available on an admitted basis, and Legends can access multiple carriers to match your client’s profile. Territories and Availability The Convenience Stores Insurance Program is available in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Contact Legends for state-specific product availability and market options. Why Work With Legends Environmental Services? As a wholesale broker experienced in environmental and retail risks, Legends Environmental Services brings targeted market access, underwriting insight, and responsive service. We help agents place accounts that involve fuel operations, liquor sales, 24-hour staffing, and multi-location exposure. Our goal is to simplify placement, match accounts to the right carriers, and support you through binding and policy issuance. For more information about the Convenience Stores Insurance Program or other products offered by Legends, call 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for standalone convenience stores, stores with gas pumps, locations that sell liquor or tobacco, 24-hour operations, and multi-location businesses. Do you offer coverage for stores with fuel pumps or liquor sales?Yes. The program includes coverage options for gasoline pumps, canopy structures, and liquor liability—subject to underwriting review and site-specific eligibility. What documentation is required for submission?Submit a completed application, four years of loss runs (or fewer for newer businesses), and a statement of qualifications for the owner to receive full market consideration. Are most markets admitted or non-admitted?Most markets are available on an admitted basis. Legends also has access to multiple carriers to meet compliance and appetite needs across states. Is there a minimum premium for this program?Minimum premium varies based on risk characteristics and coverage selections. Provide a complete submission for an accurate quote. Need help placing an account? Connect with a market specialist.

Overview — Artisan Contractors Insurance from Legends Environmental Services Legends Environmental Services places Artisan & General Contractors Insurance through multiple admitted and non-admitted markets. We combine targeted underwriting with proactive risk transfer and marketing to give agents access to competitive coverage for both general contractors and artisan subcontractors. Our program supports new construction, repair/remodel, residential and commercial work, and condo/townhouse projects. Ideal Accounts and Appetite General contractors: Home builders (custom preferred; tract builders up to 25 homes), light commercial GC work, condo and townhome projects (new construction and remodel). Sweet spot is contractors with up to $10M in annual revenue, although larger accounts can be considered. Subcontractors (inside the envelope): Artisan finish carpenters, plumbers, HVAC, electricians and similar trades performing interior work. Territory: Program is available in the states listed below (see Territories and Availability). Note: certain states and classes are restricted. Coverage Highlights and Advantages Commercial general liability with contractor’s pollution liability (CPL) including mold exposure. Competitive rates through multiple markets; access to admitted and non-admitted options depending on account characteristics. Can be silent on subsidence where appropriate. Covers subcontractor work when written properly. Defense outside limits may be available for qualifying accounts. Underwriting Notes and Restrictions Minimum premiums starting at $4,500; minimum retentions from $2,500. Maximum limits available up to $2M/$2M/$2M. Excluded classes: pool contractors, waterproofing, fire sprinkler, elevator contractors, shoring (underpinning and trenching); roofers, framers and foundation contractors are not eligible. Preferred accounts: interior trades and finish carpentry, mechanical and electrical work performed inside the building envelope. Larger-scale heavy civil or deep foundation work is outside appetite. Submission requirements often include detailed loss runs, payroll/revenue breakouts by trade, and scope descriptions for new construction or remodel projects. Territories and Availability This program is offered by Legends Environmental Services and is available in the following states and territories: AK, AL, AR, AZ, CA, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC Admitted status: Most available markets (access to both admitted and non-admitted options through multiple carriers depending on state and account). Why Place This Business Through Legends Environmental Services Wholesale broker access: Legends provides direct access to several carrier markets that underwrite artisan and general contractor exposures. Program flexibility: We design program terms and limits to match contractor exposures — from interior specialty trades to medium-sized general contractors. Risk management focus: Our approach includes reviewing current and anticipated liabilities to recommend sensible retentions, limits and policy features that support long-term stability for the insured. Service for agents: We provide clear underwriting guidance and work to place accounts quickly when the risk fits appetite. Example Accounts That Fit A custom home builder with $6M in annual revenue seeking combined CGL and CPL coverage, including mold protection for repair work on older homes. An interior finish contractor (carpentry and trim) performing residential remodels and new townhome interiors looking for a $1–2M general liability program with subcontractor work included. Underwriting Submissions When submitting, include a completed application, loss runs for the last five years, payroll and revenue splits by trade, and a short description of job types and average project values. Complex or larger accounts may require supplementary schedules or project-specific information. Frequently Asked Questions What types of artisan contractors are a good fit for this program?Trades working inside the building envelope—finish carpenters, plumbers, HVAC, electrical and similar interior trades—are ideal. The program also fits general contractors for small to mid-sized residential and light commercial work. Are there classes you will not consider?Yes. Pool contractors, waterproofing, fire sprinkler, elevator contractors, shoring (underpinning/trenching) and heavy exterior trades such as roofers, framers and foundation contractors are excluded from this program. What are the minimum premium and retention levels?Minimum premiums start at $4,500 with minimum retentions beginning at $2,500. Exact pricing and retention options depend on the account’s class, limits and loss history. Which states is this program available in?The program is available in the states and DC listed above. Availability can vary by market and by whether an admitted or non-admitted placement is required. Need help placing an account? Connect with a market specialist.

Overview — Legends Environmental Services: Recycling Insurance Program Legends Environmental Services offers a tailored Recycling Insurance Program for agents placing waste and recycling operations in small- to medium-sized communities. Working with carrier partners, Legends delivers competitively priced, flexible coverage with several broadened endorsements and enhancements crafted for recycling-specific exposures. Ideal accounts and appetite This program targets recycling and collection operations and related facilities that have straightforward recycling or transfer operations. Typical accounts include: Local curbside collection and transfer operations Recycling facilities handling scrap metal (no on-site processing), paper, plastic, glass, rubber, textiles, electronics, and automobiles Small- to mid-sized transfer stations and consolidation operations Accounts generally need to be operations-focused (collection, storage, transfer) rather than heavy processing or smelting. Risks involving large-scale processing, significant on-site dismantling, or high-hazard waste streams are typically outside the program’s appetite. Coverage highlights and advantages The program is designed to address the unique property, auto, GL and pollution exposures that recycling operations face. Key features include: Property Enhancement endorsement — increased debris removal limits and amendments/extensions to Business Personal Property. Commercial Liability Broadening endorsement — blanket additional insured status and primary/non-contributory wording when required by contract. Commercial Auto Broadening endorsement — higher limits for physical damage to hired autos and Lease Gap coverage. Broadened Pollution Liability for Covered Autos — covers sudden and accidental pollutant discharges from autos. Equipment breakdown coverage and MCS-90 endorsements available where required. Multiple coverage parts available: General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella. Underwriting notes and minimum premiums Minimum premium: $4,500 (program minimum; final terms depend on underwriting and state placement). Required submission materials: completed ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and drivers list with Motor Vehicle Records. Good risks typically show established safety programs, documented vehicle maintenance and driver screening, and clear separation of processing activities from storage/transfer. Territories and admitted positioning The Recycling Insurance Program is available in most states, excluding AK, CO, NV, LA, and NY. Legends places business through admitted and non-admitted markets as appropriate to meet client needs and to secure the specific broadenings required for recycling operations. Why place recycling business with Legends Environmental Services? Wholesale broker access to multiple carrier partners experienced in environmental and transportation exposures. Program wording designed specifically for recycling operations — not a general waste form retrofit. Flexible endorsements to satisfy contract requirements (blanket additional insured, primary/non-contributory, auto pollution extensions, lease gap). Dedicated submission checklist and underwriting focus that help speed placement for eligible risks. Example client scenarios You might have a municipality-operated transfer station seeking GL, auto, and pollution coverage with primary additional insured wording for contracted haulers. Or an independent scrap metal dealer (no processing) needing inland marine for stored inventory, broadened auto pollution coverage, and equipment breakdown protection. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Collection, transfer, and storage operations in small- to mid-sized communities are ideal — including scrap metal (no processing), electronics, paper, plastic, glass, rubber, textiles, and automobiles. High-hazard processing or large-scale dismantling operations usually do not fit. Which coverage parts can I place through this program?Legends can place General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella coverages with program-specific endorsements and broadenings. What minimum documents and information are required for submission?You will need ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and a drivers list with Motor Vehicle Records. Need help placing an account? Connect with a market specialist.

Legends Environmental Insurance Services offers a specialized Surety Bonds Insurance program tailored for environmental contractors and consultants. With a deep understanding of the environmental industry, we provide access to a wide range of bond types—including bid bonds, performance bonds, payment bonds, and miscellaneous bonds—to support your clients' contractual and regulatory obligations. Most bonds are available in a 48-hour turnaround, helping you respond quickly to your clients’ needs and project timelines. Ideal Accounts and Appetite Legends Environmental specializes in surety solutions for contractors and consultants operating in high-risk and regulated environments. Our program is designed for a wide range of environmental and construction-related businesses, including: Asbestos Contractors Environmental Contractors Site Remediation Contractors Underground and Above Ground Storage Tank Removal Contractors Lead Abatement Contractors Hazardous and Non-Hazardous Waste Transporters Demolition Contractors Environmental Subcontractors Environmental Engineers and Consultants General Contractors Specialty Subcontractors Artisan Contractors You might have a client preparing to bid on a state-funded remediation project or a demolition contractor required to post a performance bond—our program is designed to meet those needs efficiently. Coverage Highlights and Advantages Our Surety Bonds Insurance program is backed by multiple “A” rated, admitted carriers and offers: Fast 48-hour turnaround on most bonds Admitted markets with Treasury-listed carriers Flexible underwriting for challenging or hard-to-place risks In-house expertise in surety and environmental underwriting Included risk management and loss control services We work closely with agents to find bonding solutions that support your clients’ growth while managing their liability and compliance exposures. Underwriting Notes and Submission Requirements To ensure a quick and accurate quote, please prepare the following: Completed Surety Bond Application CPA-prepared corporate financial statements (last 3 years) Current work-in-progress report Minimum premium varies depending on bond type and underwriting criteria. Our team offers flexible options to accommodate a wide variety of client sizes and risk profiles. Territories and Availability We offer Surety Bonds Insurance in most states, including but not limited to CA, TX, NY, FL, IL, and WA. Our broad geographic reach ensures that you can confidently place business for clients operating in multiple jurisdictions. Why Work With Legends Environmental Services? As a wholesale broker with a strong focus on environmental risks, Legends Environmental Services brings decades of industry experience to every submission. We understand the complexities of environmental contracting and provide solutions that help agents and brokers like you win and retain business. With access to multiple markets and a responsive underwriting team, we are your go-to source for environmental surety bonds. For more information on our Surety Bonds Insurance or other environmental programs, call us at 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors, consultants, demolition crews, and specialty subcontractors needing bid, performance, or payment bonds. How quickly can bonds be issued?Most bonds can be issued within 48 hours, assuming all required documentation is provided. What are the submission requirements?We require a completed surety bond application, the last three years of CPA-prepared financial statements, and a current work-in-progress report. Are the carriers admitted?Yes, we work with “A” rated, admitted carriers that are Treasury listed in most states. Is this program available in all states?This program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Need help placing an account? Connect with a market specialist.