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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.

Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available in the following jurisdictions: 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

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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.

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.

Manufacturing, Wholesaling, and Importing Insurance — Citadel Insurance Services Citadel Insurance Services offers a specialized Excess & Surplus Lines program for manufacturers, wholesalers and importers. Our Manufacturing, Wholesaling, and Importing Insurance program is built to place hard-to-place product and distribution risks—from small domestic manufacturers to complex importers and national wholesalers. As an E&S broker with placement relationships across a selective carrier panel, Citadel helps you find capacity where admitted markets may decline or limit terms. Overview of the Program This program is designed for agents who need flexible E&S solutions for product-exposure businesses. Citadel leverages relationships with carriers including Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to offer broad liability solutions, excess/umbrella layers, and ancillary coverages appropriate to manufacturing, wholesaling and importing operations. Ideal Accounts and Appetite Manufacturers of consumer goods, industrial parts, electronics and plastics Wholesalers and distributors with national or international channels Importers and brokers handling foreign-sourced goods for U.S. distribution Specialty product lines such as juvenile products, toys, sporting goods, marine and aviation components We also consider higher-risk product lines (fireworks, chemicals, firearms and performance auto parts) on a case-by-case basis and typically require enhanced underwriting information for these classes. Coverage Highlights and Advantages Primary general liability and products/completed operations liability designed for product exposures Excess/umbrella limits and higher-capacity placements through our E&S carrier panel Flexible placement for importers with inland marine or shipment-related exposures Ability to structure layered placements for mixed operations (manufacture + distribution + import) Underwriting focused on product lifecycle risk management—manufacturing controls, testing, labeling and distribution controls Underwriting Notes and Minimum Premiums Typical submissions should include product descriptions, revenue by territory, distribution channels, loss history, quality control/testing procedures and any recall or regulatory history. Citadel’s E&S placement approach means underwriters expect detailed information for higher-severity exposures. Minimum premium: $1,500. Higher minimums may apply depending on class, limits and carrier selection. We frequently request risk-control measures and documentation for imported goods (supplier audits, compliance with U.S. standards, labeling). Appetite Limits and What May Not Fit Good fits: manufacturers and distributors with documented quality controls, consistent product lines, and manageable recall exposure. We are willing to consider complex import/export operations and mixed manufacturing/distribution businesses. Fits we typically decline or require heavy scrutiny: products with intentional misuse exposure without mitigation, unsupported high-severity claim history, or accounts lacking basic product safety/testing documentation. Certain high-hazard classes may be declined or limited by specific carriers. Territories and Admitted Positioning This program is offered as E&S placements through Citadel Insurance Services and is available in the following states and territories: 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. Because placements are non-admitted, terms and availability are subject to state E&S rules and carrier appetite. Why Work with Citadel on These Risks Specialized underwriting focus on product and distribution risks Access to multiple E&S markets with tailored placement strategies Practical submission guidance to improve placement outcomes Experienced handling of mixed operations (manufacture + wholesale + import) Example Accounts Example 1: You have a regional wholesaler importing outdoor recreation products from overseas with U.S. distribution to retailers. The client has solid supplier testing records but needs product liability capacity and inland-marine coverage for shipments—this program can combine liability and shipment solutions through E&S carriers. Example 2: You represent a small manufacturer of protective apparel selling to industrial clients and retailers nationally. Admitted markets limited terms due to previous product claims; Citadel can pursue excess capacity and structured E&S placements informed by the client’s quality controls and loss mitigation plans. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Manufacturing, Wholesaling, and Importing program?Accounts that manufacture, distribute or import physical products—especially those with product liability exposure or complex distribution channels. Good fits have documented quality control, sales/territory detail and manageable loss history. Which coverages and carriers are available through this program?We place primary and excess liability solutions, products/completed operations and specialty placements tied to shipment or import exposures. Citadel works with carriers such as Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to secure capacity. Is this program placed on admitted paper?This program is positioned through Excess & Surplus Lines placement and is generally non-admitted. Availability and requirements depend on carrier appetite and state E&S rules. What information should I include in a submission?Provide product descriptions, annual revenue and sales by state/territory, distribution channels, loss history, manufacturing/testing controls, supplier documentation for imports and any prior recall history. More detail improves the chance of favorable terms. What is the minimum premium?The program’s typical minimum premium starts at $1,500; final minimums depend on class, limits and carrier selection. 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.