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...al classes we write include: Dietary supplements and vitamin manufacturer...or this program?This program targets dietary supplement manufacturers, biotech...

Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.

Citadel Insurance Services offers EnviroPAC, a dedicated Environmental Insurance program that helps agents and brokers place complex pollution and environmental risks with confidence. Built for environmental contractors, consultants, waste facilities, and restoration firms, EnviroPAC combines specialized underwriting with access to top-rated carriers to deliver flexible, market-responsive solutions. Through our EnviroPAC program you can quote broad liability options for remediation contractors, asbestos/lead/mold abatement firms, environmental consultants, hazardous and non-hazardous waste handlers, and emergency response or restoration companies. Coverage is available nationwide (all 50 states and Washington, D.C.), on admitted and non-admitted paper where eligible. Minimum premiums start at $2,500. Ideal Accounts and Appetite EnviroPAC targets a wide range of environmental-related businesses, including: Environmental remediation contractors Asbestos, lead, and mold abatement firms Environmental consultants and engineers Hazardous and non-hazardous waste facilities Restoration and emergency response companies Typical submissions that fit our appetite include a remediation contractor performing soil or groundwater cleanup for brownfield redevelopment, a consultant providing UST or vapor intrusion assessments, or a restoration firm responding to pollution events after a storm. We can place both single-site and multi-location operations, subject to underwriting review. Coverage Highlights and Advantages EnviroPAC is designed as a flexible package so you can combine coverages and limits to match your client’s exposures and budget. Key offerings include: General Liability ISO-based forms Available on Occurrence and Claims-Made bases Options for Hired & Non-Owned Auto, Products Pollution, Employee Benefits, and more Contractor Pollution Liability (CPL) Occurrence or Claims-Made trigger Covers pollution incidents arising from your client’s operations or subcontractor work Includes Cleanup Costs, Third-Party Bodily Injury, and Property Damage Professional Liability Claims-Made coverage for environmental consulting services Covers alleged acts, errors, or omissions tied to professional services Protects against third-party financial loss and liability Site Pollution Liability Claims-Made coverage for owned or operated sites Includes on-site and off-site cleanup, bodily injury, and property damage Options available for pre-existing conditions and newly discovered contamination Transportation Pollution Liability Available as an extension to Contractor or Site Pollution policies Covers pollution incidents during transport of materials Follow Form Excess Supported and unsupported excess options Excess capacity over GL, CPL, PL, Site Pollution, Auto Liability, and Employer’s Liability Underwriting Notes and Minimum Premiums Our underwriters focus on tailored solutions and quick responses. We work with a mix of admitted and non-admitted markets to fit unusual or higher-exposure risks. Markets include Starr, Crum, Scottsdale, AIG, Arch, ACE, Liberty, Markel, Kinsale, and others. Minimum premiums start at $2,500; final pricing depends on class of business, operations, limits, and other risk characteristics. Common underwriting considerations include nature of contamination risks, client loss history, subcontractor controls, waste handling practices, and site remediation plans. Territories and Availability EnviroPAC is available in all 50 states and Washington, D.C., including high-demand jurisdictions such as California, Texas, Florida, and New York. We place accounts on admitted paper where available and appropriate, and use non-admitted markets when necessary to secure capacity or broader terms. Why Work With Citadel Insurance Services As a wholesale broker with deep specialization in environmental risks, Citadel Insurance Services offers market access, program design, and hands-on underwriting support tailored to pollution exposures. Our team understands regulatory drivers, common operational pitfalls, and the documentation carriers expect—helping you place business faster and with greater confidence. When you partner with Citadel, you gain a resource for complex submissions, flexible program structures, and access to multiple carriers that actively write environmental liability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors, consultants, waste facilities, and restoration companies handling pollution-related exposures. What coverages are available under the EnviroPAC program?Coverages include General Liability, Contractor Pollution Liability, Professional Liability, Site Pollution Liability, Transportation Pollution Liability, and Follow Form Excess. Is coverage available in all states?Yes. Our Environmental Insurance program is available nationwide, including all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium starts at $2,500, depending on the specific risk and coverage selected. Do you offer admitted and non-admitted options?Yes. Coverage is available through both admitted and non-admitted markets, subject to state and risk eligibility. Need help placing an account? Connect with a market specialist.

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.

Citadel Insurance Services offers a specialized insurance program designed exclusively for oil and gas consultants. Whether you're working with a solo operator or a larger directional drilling operation, our program provides flexible, comprehensive coverage options tailored to the unique risks of the oilfield consulting industry. We understand the challenges agents face in placing these accounts, and we’re here to simplify the process with fast turnarounds, competitive premiums, and broad underwriting capabilities. Ideal Accounts and Appetite Our Oil & Gas Consultants program is built to accommodate a wide variety of field professionals operating in the upstream and midstream energy sectors. Typical target classes include: Drilling consultants Directional drillers Wellsite operators Geologists Health and safety consultants Welding inspectors Non-destructive testers Company men And many other oilfield service consultants If you have a client providing field oversight, technical expertise, or regulatory compliance services in the oil and gas sector, this program is likely a fit. From one-person LLCs to mid-sized consulting firms, we offer scalable solutions for a broad range of exposures. Coverage Highlights and Advantages Our program offers a robust suite of coverages to help protect your insureds from the industry’s most common liability exposures: Errors & Omissions Liability – Including professional liability, breach of contract, libel/slander, defamation, loss of documents, and withheld fee payments Commercial General Liability – Covers products/completed operations, tenants' legal liability, non-owned and hired auto, employee benefits liability, and medical expense coverage Pollution Liability – Protection for bodily injury and property damage arising from sudden and accidental pollution events Worldwide Jurisdiction – Standard worldwide coverage for consultants operating across international borders Flexible Limits – Limits available up to $5,000,000 Underwriting Notes and Minimum Premiums Our streamlined underwriting process is designed to help you win more business with ease. We typically provide quotes within 24–48 hours, with deductibles starting as low as $2,500 and minimum premiums beginning at just $3,000. We are able to consider a wide range of account sizes and operational scopes. Whether your client is based in the Permian Basin or travels internationally for consulting work, we can tailor the policy to their needs. Territories and Availability This program is available in all 50 states plus the District of Columbia. We operate across both admitted and non-admitted markets to ensure flexibility and responsiveness in coverage placement. Current markets include respected carriers such as CFC and Markel. Why Work With Citadel Insurance Services? Citadel Insurance Services is a wholesale broker with deep expertise in energy-sector risk. We focus on delivering fast, competitive solutions that meet the real-world needs of your oilfield consultant clients. Our team understands the operational risks, regulatory pressures, and contractual liabilities these professionals face daily. By partnering with us, you gain access to niche markets, responsive service, and a program built to help you win and retain oil & gas consulting business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for oil and gas consultants such as drilling supervisors, wellsite geologists, safety advisors, and other independent professionals or small firms working in the energy sector. Are international operations covered?Yes, the program includes worldwide jurisdiction and territorial limits as standard, making it suitable for consultants who travel or operate internationally. What is the minimum premium for this program?The minimum premium starts at $3,000, making it accessible for small and mid-sized consulting operations. How quickly can I get a quote?We typically provide quotes within 24 to 48 hours after receiving a complete submission. Which carriers are used in this program?We work with reputable markets such as CFC and Markel to provide flexible, reliable coverage options tailored to the oil and gas industry. Need help placing an account? Connect with a market specialist.

Importing Insurance Program from Citadel Insurance Services Citadel Insurance Services offers a specialized Importing Insurance program designed to meet the unique risks faced by importers and wholesalers across a wide range of industries. Whether your client is bringing in consumer electronics, specialty chemicals, or aftermarket auto parts, our team understands the exposures and can tailor solutions that help protect their operations and inventory. As a Managing General Agency (MGA), we work with a variety of carriers and have access to both admitted and non-admitted markets. Our brokers focus on hard-to-place risks and complex coverage needs, including liability and stock throughput. We support agents and brokers in placing challenging accounts and growing their book of business. Target Industries and Ideal Accounts Our program is designed for importers and wholesalers of a wide variety of product categories, including but not limited to: Recreational Products Consumer Products Life Science Products Automobile Performance Products Chemicals and Plastics Electrical and Electronic Goods Cleaning Products Additional high-exposure or niche product lines From small importers of niche consumer products to large wholesalers of high-value goods, this program can accommodate a wide range of businesses. You might have a client who imports performance car parts from Asia or a wholesaler distributing cleaning supplies nationwide—both are potential fits. Coverage Highlights and Advantages We offer coverage solutions that address the specific exposures importers and wholesalers face, including: General Liability Product Liability Stock Throughput and Inland Marine Excess Liability Our brokers can help structure layered programs and adapt coverage to suit complex supply chains and distribution channels. We understand how to position your client's risk to the marketplace and provide underwriting support to help you close and retain business. Underwriting Guidelines and Minimum Premium Minimum premiums for this program start at $2,500. We evaluate each account based on product type, volume, distribution methods, loss history, and other underwriting factors. Our team is skilled at reviewing accounts with challenging exposures and crafting solutions that are both competitive and comprehensive. Available States The Importing Insurance program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability may vary by carrier and product line. Why Work With Citadel Insurance Services? Citadel Insurance Services is an experienced MGA with a strong focus on niche and hard-to-place risks. Our Importing Insurance program is supported by knowledgeable brokers who understand the import/export industry and can help you deliver tailored solutions to your clients. We provide responsive service, flexible underwriting, and access to diverse carrier partners to help you win and retain business in a competitive market. Please contact us for more information on our Importing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this Importing Insurance program?Accounts involving the import or wholesale distribution of consumer goods, chemicals, electronics, performance auto parts, and other specialty products are ideal. We have a broad appetite for niche and higher-risk classes. What coverages are typically included in the program?Coverage can include general liability, product liability, stock throughput, inland marine, and excess liability, depending on the needs of the account. What is the minimum premium for this program?The minimum premium starts at $2,500, though actual pricing depends on underwriting factors such as product type, volume, and loss history. Is this program available in my state?The program is available in most U.S. states. Please contact us for specific state availability and carrier options. Does Citadel work with hard-to-place or high-risk importers?Yes. Citadel specializes in hard-to-place risks and has experience structuring coverage for unique or high-exposure imported products. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Importers/Exporters Hazardous Products Plastics/Metals Parts/Machinery Sporting Goods/Equipment Medical Equipment Toys/Child Clothing Nutraceutical/Herbal Auto Parts Chemicals Cosmetics/Spa Industrial Food/Beverage