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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.

Energy Insurance — EnergyPAC from Citadel Insurance Services Overview Citadel Insurance Services offers EnergyPAC, a wholesale energy insurance program designed for the risk profiles of both traditional and alternative energy businesses. EnergyPAC combines admitted primary placements with industry-specific endorsements and excess capacity through A-rated markets to deliver broad, market-aware solutions for oil & gas, petrochemical, mining, ethanol and renewable energy operations. Ideal Accounts and Appetite EnergyPAC is built for agents who need a market for mid-to-large energy risks, including: Servicing contractors of all types (field service, maintenance, well servicing) Exploration & production (E&P) contractors and operators Petrochemical and product manufacturers Equipment sales, rental and repair businesses that support energy operations Alternative energy and ethanol producers and support vendors Most related operations within those classes can be considered. Accounts with strong safety programs, formal loss-control, and predictable operations typically place most smoothly. Coverage Highlights and Advantages Admitted primary coverage available General Liability with Pollution extensions (30/90 pollution liability) Underground Resources & Environmental (UGRE) coverage Defense Outside the Limits Blanket Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory wording Employee Benefit Liability and Stop Gap coverage where needed Fellow employee coverage on both General Liability and Commercial Auto Follow-form excess liability available to extend limits Non-auditable policies where appropriate for contractor and rental exposures Capacity up to $25 million (determined on a risk-by-risk basis) EnergyPAC places business with a panel of experienced carriers, including Arch, Starr, AIG, Zurich, Markel and Kinsale, providing strong financial backing and sector expertise. Underwriting Notes and Minimum Premiums Typical underwriting focuses on the nature of operations, environmental exposure history, subcontractor controls, claims/loss runs, and safety programs. Citadel evaluates exposures such as pollution, third-party property damage, well control, and equipment rental liabilities when assessing placements. Minimum account premium: $7,500. Limits, endorsements and final pricing depend on underwriting detail and carrier appetite; larger or more complex risks may require higher minimums or layered solutions. Territories and Availability EnergyPAC is available across 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. Admitted coverage options are available where applicable. Why Work With Citadel Insurance Services on EnergyPAC? Wholesale broker relationships with multiple A-rated markets give you placement flexibility for hard-to-place or higher-limit accounts. Program wording tailored to energy industry exposures — pollution features, UGRE, defense outside the limits and fellow-employee wording reduce gaps between GL and specialty coverages. Dedicated underwriting focus on both traditional and alternative energy classes helps speed decisions for common industry risks. Capability to package admitted primary and follow-form excess layers for a streamlined program structure. Example Accounts That Fit EnergyPAC A well-servicing contractor with on-site fueling operations, a formal safety program, and a history of preventive maintenance — needs GL with pollution extensions and equipment rental coverage. An ethanol plant supplier that manufactures and ships process components — needs product manufacturing coverage with pollution and product liability features plus excess capacity. Frequently Asked Questions What types of accounts are a good fit for EnergyPAC?EnergyPAC targets oil & gas, petrochemical, mining/mineral exploration, ethanol and alternative energy classes — including servicing contractors, E&P operations, product manufacturers, and equipment sellers/renters. Accounts with documented safety programs and manageable pollution exposures fit best. What limits and capacity can agents expect?Primary admitted placements are available with follow-form excess. Capacity up to $25 million is available on a risk-by-risk basis through Citadel’s carrier relationships. What is the minimum premium and typical submission needs?The program minimum account premium is $7,500. Submissions should include completed application, current loss runs (typically 3–5 years), description of operations, any environmental or pollution controls, and details on subcontractor use and certificate requirements. Are policies admitted and which states are covered?Admitted coverage is available; EnergyPAC is offered in the full list of states shown in the storefront (including DC). Coverage options and admitted availability depend on state-specific carrier filings and underwriting. Need help placing an account? Connect with a market specialist.

Citadel Insurance Services’ Oil and Gas Contractors Insurance Program is built for agents who place energy-related contractors and service providers. Whether your client performs exploratory drilling, well servicing, equipment hauling, or pipeline work, we provide tailored placement options and access to admitted and non-admitted markets. Our underwriting team understands operational exposures common to upstream and midstream contractors and moves quickly to match each risk with the right carrier, coverage form, and pricing so you can keep your client moving. Ideal Accounts and Appetite We write a broad range of oil and gas contractors and service providers, with a focus on clean, well-documented operations. Typical target classes include: Well Servicing and Work-over Contractors Drilling Operations Oilfield Equipment Rental and Repair Pipeline Contractors Water and Oilfield Equipment Haulers Roustabout Contractors Wireline Contractors Swabbing Contractors Instrument Logging ...and other upstream and midstream service providers Example: You might have a client who operates a small fleet of trucks delivering water to drilling sites—this is a class we routinely place. Another common fit is a mid-sized workover contractor with leased rigs and experienced crews who needs a complete package of liability, auto, and inland marine coverage. Coverage Highlights and Advantages We assemble competitive, complete packages that address both routine and specialty exposures. Program features include: Admitted coverage available on most classes; non-admitted capacity where needed Non-auditable options for qualifying classes General Liability, Commercial Auto, Excess Liability, Inland Marine, Property, and Workers' Compensation Contractors Pollution Liability and Sudden & Accidental coverage UGRE (Underground Resources and Equipment) coverage Blanket Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory wording Access to strong carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale Our goal is to help you build a cohesive program that covers operational, transportation, and pollution risks—so insureds aren’t left with gaps between policies. Underwriting Notes and Minimum Premiums We evaluate each submission on its individual merits. Minimum premium typically starts at $7,500, with flexibility by class, state, and coverage needs. Clean, complete submissions (current loss runs, ACORD apps, detailed operations descriptions, and vehicle schedules) help our team respond faster and improve placement outcomes. Territories and Availability This program is available across the country in all 50 states and Washington, D.C. Admitted options exist for most classes; where admitted paper is not available or competitive, we place non-admitted solutions through our carrier relationships. Why Work With Citadel Insurance Services? As a wholesale broker with deep experience in energy-related risks, Citadel Insurance Services pairs market access with hands-on underwriting support. We focus on responsiveness, thoughtful risk placement, and leveraging established carrier relationships to secure the coverage your clients need. Work with our specialists to navigate complex submissions, assemble competitive quotations, and close placements efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on oil and gas contractors including well servicing, drilling, pipeline construction, equipment haulers, and more. Both small and mid-sized operations are welcome. Is admitted coverage available?Yes, admitted coverage is available for most classes within the program, depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $7,500, though it may vary based on class, location, and coverage selected. Which states is this program available in?The program is available in all 50 states and Washington, D.C. What carriers are used in this program?We work with top-rated carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale to match risks to the right market. Need help placing an account? Connect with a market specialist.

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