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Occurrence or Claims-Made CGL Form available. Nose coverage and prior acts available for qualified accounts. Defense costs are typically outside the policy limits for Commercial General Liability. Pollution Liability available on a claims-made basis (separate application required). Overview of the Waste Facilities Liability Program The Waste Facilities Liability program from National Environmental Coverage Corporation (NECC) is designed to help agents and brokers place complex environmental liability risks for waste management and recycling operations. With a focus on hard-to-place and specialized environmental exposures, NECC offers customized coverage solutions through non-admitted carriers. This program addresses the unique liability challenges faced by facilities that handle solid waste, recycling, and related environmental processes. Whether your client operates a composting center or a construction debris landfill, NECC provides tailored liability coverage that helps protect against environmental claims, bodily injury, property damage, and pollution-related incidents. Ideal Accounts and Eligible Classes NECC is actively seeking accounts in a wide range of waste-related operations, including but not limited to: ... Land Farms Transfer Stations Used Oil Recycling And Others! If you have a client who operates a regional composting facility or a recycling business that handles used oil and hazardous materials, this program may be a strong fit. NECC understands the exposures involved and can help you secure appropriate coverage for these operations. Coverage Highlights and Advantages Occurrence or Claims-Made Commercial General Liability (CGL) forms available. Optional Nose Coverage and Prior Acts coverage for qualified risks. Defense costs are generally outside the policy limits for CGL coverage. Standalone Pollution Liability coverage available (claims-made basis, separate application required). Coverage is flexible and can be tailored to the exposures of each facility. Whether your client needs protection against third-party bodily injury or environmental cleanup costs, NECC’s program offers adaptable solutions. Underwriting Notes and Minimum Premiums Base limits up to $1,000,000 per occurrence with a $1,000,000 aggregate (higher limits may be available). Minimum deductible starts at $2,500. Minimum premium begins at $2,500, depending on risk characteristics. All submissions are subject to underwriting review. Prior acts coverage may require proof of continuous comparable coverage. Some risks may qualify for limited or no retroactive coverage depending on the exposure and history. Territories and Availability NECC’s Waste Facilities Liability program is available in most states across the U.S., including but not limited to CA, FL, TX, NY, IL, and PA. The program is written on a non-admitted basis, allowing for greater flexibility in underwriting specialized or non-standard environmental risks. Why Work With National Environmental Coverage Corporation? NECC specializes in environmental liability solutions and brings deep expertise in evaluating and underwriting waste-related operations. As a trusted market for environmental exposures, NECC helps agents and brokers succeed in placing hard-to-insure risks. Their responsiveness, program flexibility, and niche focus make them a valuable partner for your environmental accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solid waste facilities, composting centers, recycling operations, transfer stations, and similar environmental service businesses. Is pollution liability included in the standard coverage?Pollution Liability is available but requires a separate application and is written on a claims-made basis. Are occurrence forms available, or is this strictly claims-made?Both occurrence and claims-made CGL forms are available, depending on the risk and underwriting requirements. What is the minimum premium for eligible risks?The minimum premium starts at $2,500, though this may vary based on the size and nature of the operation. What states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

Overview of the Pollution Insurance Program from Ashley General Agency Ashley General Agency offers a dedicated Pollution Insurance program designed for agents placing environmental exposures through an experienced managing general agency. We provide access to admitted and non-admitted markets (program is not admitted in any state) and several carriers including Markel, Hudson, ACE, Rockhill, Endurance and others to deliver flexible solutions for contractors, consultants, haulers and facility owners. What this program covers We can assemble a full range of pollution products to meet client needs, from primary Pollution Legal Liability (PLL) and Environmental Impairment Liability (EIL) to site pollution, storage tank coverage and policies for hazardous materials and waste haulers. Follow-form excess limits are available to build layered programs. Ideal accounts and target classes Environmental engineers, consultants and remediation contractors Analytical testing firms and laboratories Hazardous materials and waste trucking/haulers Owners/operators of storage tanks and small industrial sites Sites requiring Site Pollution Liability or contractor’s pollution extensions Coverage highlights and advantages Primary and excess layers, including follow-form excess available Specific forms for Environmental Impairment Liability and Site Pollution Liability Storage tank and sudden/gradual pollution options Capacity for hazardous trucking and waste hauler operations Underwriting by carriers experienced in environmental risks Underwriting notes and appetite Typical accounts that fit this program have documented environmental controls, formal sampling/testing procedures (for labs), and established waste handling processes for haulers. We prefer risks with clear scopes of work, standard operating procedures, and available loss history. Higher hazard or legacy contamination sites may require additional information, remedial plans, or placement in excess markets. Minimum premium: $2,500. Submission requirements commonly include an ACORD application, copies of contracts or scopes of work, loss runs, phase I/II reports if available, and tank test/monitoring records for storage tank risks. Territories and admitted status This program is available in Texas. The program is not admitted in any state and is placed on a non-admitted/surplus lines basis where applicable. Agents should follow surplus lines filing and compliance rules for their state and their insured. Example account scenarios You have a consulting firm that performs site assessments and needs Professional and Environmental Impairment Liability with pollution extensions — this program can tailor PLL and EIL limits with pollution legal liability endorsements. You have a hazardous materials hauler moving industrial waste regionally — we can place auto liability with pollution endorsements and a dedicated hauler pollution policy to cover cleanup and third-party claims. Why work with Ashley General Agency Ashley General Agency is a specialist MGA with direct relationships at multiple carriers that underwrite environmental exposures. We focus on practical placements, flexible policy forms, and layered solutions (including follow-form excess). Our team understands environmental contracts and can work with you to structure coverage that aligns with the insured’s operations and regulatory needs. For more information on our Pollution program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Environmental consultants, remediation and construction contractors, analytical testing labs, storage tank owners, and hazardous materials/waste haulers are the primary target classes. Accounts with documented controls and available loss history typically qualify. Is this program admitted or non-admitted?This program is not admitted in any state and is offered on a non-admitted/surplus lines basis. Submit according to your state’s surplus lines rules; the program is currently available in Texas. What minimum premium and submission materials are required?The program minimum premium is $2,500. Common submission items include an application, loss runs, scopes of work or contracts, and any environmental reports or tank records relevant to the risk. Which coverages and limits are available?We offer Pollution Legal Liability, Environmental Impairment Liability, Site Pollution Liability, storage tank coverage, hazardous trucking/hauler forms, and follow-form excess layers. Limits and endorsements depend on the carrier and risk profile. How quickly can I expect a quote?Turnaround depends on the complexity of the risk and completeness of the submission. Straightforward accounts with standard documentation can often be quoted in a few business days; more complex or legacy contamination risks will require additional underwriting time. Need help placing an account? Connect with a market specialist. ...

ENVIRONMENTAL LIABILITY INSURANCE Empire Brokerage Services, LLC partners with independent agents and brokers to place complex environmental risks. As an experienced Excess & Surplus Lines Broker, we provide access to a broad selection of Environmental Liability Insurance solutions designed for legacy contamination, contractor exposures, and other pollution-related liabilities. Overview of the Program From Empire Brokerage Services Environmental exposures are often limited or excluded in standard commercial policies. Empire Brokerage’s Environmental Liability program fills that gap by offering flexible coverage through non-admitted markets in most states. Our placement options address pollution liability for owned sites, contractor operations, transportation of hazardous materials, and lender/REO exposures—helping your clients meet regulatory requirements and manage cleanup and third-party liability costs. Ideal Accounts and Appetite We are positioned to help you place a wide range of environmental risks, including: Property owners with suspected or confirmed contamination (lead-based paint, asbestos, mold, historic chemical use) Environmental contractors who need combined General Liability, Pollution, and Professional Liability Construction and renovation firms facing potential pollution liabilities on project sites Lenders and servicers seeking environmental protection for REO and foreclosure-related properties Operations involving waste disposal, remediation sites, or transportation of hazardous cargo Example scenarios: You might have a client who purchased an older industrial site with a history of solvent use and needs coverage for legacy contamination and regulatory cleanup. Or you may be placing an environmental contractor that performs asbestos abatement and requires a combined GL/Pollution/Professional policy for operations and completed work. Coverage Highlights and Advantages Empire Brokerage can secure a range of environmental products tailored to the account, such as: Site-specific Pollution Liability for owned or operated properties Contractor Pollution Liability (CPL) for renovation, remediation, and new construction projects Combined GL / Pollution / Professional Liability policies for environmental consultants and contractors Lender Environmental Liability for REO portfolios and transaction-related exposures Coverage addressing waste disposal sites and hazardous material transportation risks Working with non-admitted markets gives underwriters flexibility to craft terms for emerging and legacy pollution conditions that admitted carriers may decline or limit. Underwriting Notes and Minimum Premiums Underwriting is submission-driven—carrier appetite, limits, and pricing depend on operations, site history, controls, and loss experience. Minimum premiums vary by risk type, location, and requested limits. Early engagement on complex or legacy sites helps us gather the right documentation (site assessments, prior policies, loss runs, remediation plans) and present the strongest submission to markets. Territories and Availability This program is available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. We also work with non-admitted insurers in most other states to expand placement options—contact us to confirm appetite and availability for a specific jurisdiction. Why Work With Empire Brokerage Services Empire Brokerage Services, LLC combines wholesale E&S distribution experience with focused environmental expertise. We work exclusively through licensed producers, offering responsive service, multi-carrier access, and tailored structures for difficult-to-place risks. Our relationships with specialized carriers enable competitive terms for both emerging exposures and long-tail legacy liabilities. Frequently Asked Questions What types of accounts are a good fit for this environmental program?This program is ideal for environmental contractors, property owners with suspected or known contamination, lenders managing REO assets, and businesses involved with hazardous material transportation or waste disposal. Can you write combined GL, Pollution, and Professional Liability policies?Yes. We place combination policies that bundle General Liability, Pollution Liability, and Professional Liability—particularly for environmental contractors and consultants who require integrated coverage for operations and services. Is this program available in my state?The program is currently available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. We also place environmental risks through non-admitted markets in most other states—reach out to confirm specific state appetite. Are only non-admitted markets used for this program?We primarily utilize non-admitted carriers to achieve broader terms and underwriting flexibility. Availability through admitted markets may vary by state and carrier—contact us to discuss options for your account. What information is needed to get a quote?Typical submissions include a description of operations, site history and any environmental assessments, prior coverage details, loss history, and any remediation or management plans. Early submission of supporting documents helps speed placement and improve terms. Need help placing an account? Connect with a market specialist. ...

Seafire Insurance Services offers a focused Franchised Truck Dealer Environmental Insurance Program built to address the environmental liability exposures common to franchised heavy- and medium-duty truck dealerships. Backed by the Chubb Group of Insurance Companies*, this program combines specialized underwriting with efficient service to help you place complex environmental risks for dealer clients. Ideal Accounts and Appetite This program is intended for franchised truck dealers operating across the continental United States. Ideal accounts include: Franchised heavy-duty and medium-duty truck dealerships and showrooms Locations with service bays, onsite fueling or waste oil collection facilities Dealerships that store chemicals, lubricants, or battery inventories and have potential waste-disposal exposures If you represent commercial vehicle sales and service firms that must comply with EPA or state environmental rules, this program is designed to meet those needs with tailored terms and limits. Coverage Highlights and Advantages Coverage is placed on a non-admitted basis and includes protection for: New pollution incidents occurring at covered dealership sites Liability arising from non-owned disposal sites Transported cargo pollution liability for goods moved by the insured Seafire’s underwriting team brings over 100 years of combined environmental insurance experience. Agents and brokers benefit from: A streamlined application and submission process Efficient underwriting and clear submission guidelines Fast quote, bind, and policy issuance turnaround Underwriting Notes and Minimum Premiums Underwriting focuses on site operations, fuel-handling practices, waste management, and past environmental history. Minimum premiums vary by account size, location, and risk profile; discuss specifics with Seafire underwriters when submitting. Typical submission information includes site diagrams, details on service operations, and any environmental reports or loss history. Territories and Availability The program is available in all continental U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. Use Seafire’s nationwide access to environmental markets to place accounts across the states listed in the program territory list. Why Work With Seafire Insurance Services? As a program administrator focused on environmental exposures, Seafire combines niche technical expertise with strong carrier relationships. Backing from Chubb provides access to capacity and financial stability, while Seafire’s underwriting team delivers market knowledge and responsive service so you can close placements efficiently. Whether you have a new dealership with basic service operations or an established multi-bay location with more complex waste handling, Seafire provides the tools and underwriting flexibility to help you protect the account. To get started with the Franchised Truck Dealer Environmental Insurance Program, follow these steps: Register with Seafire Download the program application and submission instructions here Submit the completed application and supporting materials to begin the quoting process For more information on Seafire's Franchised Truck Dealer Environmental Insurance Program, visit Seafire’s website linked above. Frequently Asked Questions What types of accounts are a good fit for this program?Franchised truck dealerships with environmental exposures such as service bays, onsite fuel storage, transported cargo, and waste disposal needs are ideal candidates. Is this program available in all states?Yes. The program is available in all continental U.S. states, including CA, TX, NY, FL, and others listed in the program territory. What carrier backs this program?This program is underwritten by the Chubb Group of Insurance Companies, providing financial strength and experienced environmental underwriting. What is the minimum premium?Minimum premiums vary based on the account’s size, operations, and location. Contact Seafire underwriters for specific minimums and pricing guidance. How quickly can I get a quote and bind coverage?Seafire offers a streamlined submission and underwriting process designed for fast turnaround on quotes, binding, and policy issuance. Need help placing an account? Connect with a market specialist. ...

Independent Auto Dealers Environmental Liability Insurance Program Seafire Insurance Services offers a specialized Independent Car Dealers Environmental Insurance Program designed specifically for insurance agents and brokers seeking a reliable solution for their auto dealer clients. This program addresses the unique environmental exposures that independent car dealers face, such as fuel and oil spills, hazardous waste disposal, and transported cargo contamination. Ideal Accounts and Appetite This program is tailored for independent auto dealers who manage vehicle inventory and related operations that carry environmental risk. Ideal accounts include used car dealerships, smaller franchised dealerships, and wholesalers with on-site service or maintenance facilities. You might have a client who stores vehicles on a lot near a waterway or one who operates a dealership with underground storage tanks—these are great examples of accounts that could benefit from this coverage. Coverage Highlights and Advantages Limits up to $1 million provided by the Chubb Group of Insurance Companies* Coverage for new pollution incidents occurring at insured sites Protection for liabilities at non-owned disposal sites Transported cargo liability coverage for environmental damages during transit The program is backed by a seasoned underwriting team with over 100 years of combined experience focused on the auto industry. Agents benefit from a simplified application process and quick turnaround from quote to bind. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on location, size of operation, and exposure profile. The underwriting process is straightforward, with a streamlined application that reduces administrative time for agents. Seafire’s underwriters are responsive and available to help agents assess fit and finalize coverage efficiently. Territories and Availability This program is available in all continental U.S. states, including DC. Whether your client is located in California, Texas, Florida, or anywhere in between, Seafire Insurance Services can help you place their environmental liability risks. Why Work With Seafire Insurance Services? As a program administrator with deep roots in the auto industry, Seafire Insurance Services delivers targeted coverage backed by strong carrier relationships. The Chubb Group provides the financial strength and claims expertise that your clients demand. Seafire’s commitment to fast service, broad state availability, and environmental expertise makes this program a valuable addition to your market portfolio. Getting started is easy. Simply register, visit the program page, and download the application to begin binding coverage for your auto dealer clients today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent auto dealers, used car lots, and small franchised dealerships that face environmental risks like fuel spills, vehicle storage, and waste disposal. What environmental exposures are covered?The policy covers new pollution incidents at insured sites, non-owned disposal site liability, and transported cargo environmental liability. Is this program available nationwide?Yes, the program is available in all continental U.S. states, including Washington, DC. Which carrier underwrites this program?The program is backed by the Chubb Group of Insurance Companies*, providing strong financial security and claims handling expertise. How do I get started as an agent?You can register through Seafire’s website, download the application, and submit your client’s information to begin the underwriting process. Need help placing an account? Connect with a market specialist. ...

Each year, Americans generate over 254 million tons of trash. With only about 120,000 waste collection workers across the country, the waste hauling industry faces significant operational and safety challenges. From physical injuries to environmental exposures, waste haulers operate in one of the most hazardous professions in the U.S. Prime Insurance Company understands the complex risks associated with this essential industry. That’s why we’ve developed a specialized Waste Haulers Insurance program tailored for agents and brokers looking to place tough environmental and transportation-related accounts. Whether your client operates a small local trash pickup service or a multi-state sanitation fleet, we’re here to provide comprehensive coverage solutions. Ideal Accounts and Target Classes Prime Insurance works with a wide range of waste management operations, including: Landfills Refuse Haulers Transfer Stations Trash Hauling Operations Sanitation Contractors Carting Companies Medical Waste Haulers Portable Toilet Services Recycling Operations Septic Service Companies Solid Waste Haulers If you have clients providing waste transportation, sanitation, or environmental cleanup services, this program is built for them. Operations with high auto exposure, environmental risk, or a history of losses may still qualify. Coverage Highlights Our Waste Haulers Insurance package is designed to address the real-world exposures these businesses face every day. We offer: Umbrella Coverage Auto Liability – including pollution *Not available in NY General Liability Environmental Impairment Liability Auto Physical Damage From slip-and-fall injuries to hazardous material spills, this coverage helps protect businesses from costly lawsuits, regulatory actions, and vehicle-related losses. Underwriting and Program Details Our underwriting team evaluates each account on a case-by-case basis, allowing us to consider challenging risks that may not qualify elsewhere. We offer custom rates and flexible coverage structuring to meet your client’s specific needs. Minimum premium information is available upon submission or inquiry. Territories and Admitted Status Waste Haulers Insurance from Prime Insurance is available in all 50 states, including Washington D.C. Auto liability coverage with pollution is not available in New York. Please contact us for state-specific availability and underwriting guidelines. Why Work With Prime Insurance Company? As a direct carrier with experience in high-risk and niche markets, Prime Insurance brings underwriting flexibility and industry knowledge to the table. We’re not just another market—we’re a problem solver. Our team understands the unique exposures waste haulers face and delivers customized insurance solutions that help you close business others can’t. Whether you’re working with a startup sanitation company or a seasoned hauler with past claims, we’ll help you find the right coverage fit. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in waste haulers, including landfill operators, trash pickup services, recycling businesses, and medical waste transporters. Accounts with complex auto and environmental risks are welcome. Is this program available nationwide?Yes, the program is available in all 50 states and Washington D.C. However, auto liability coverage with pollution is not available in New York. Can you consider risks with prior losses or challenging histories?Yes, we evaluate each submission individually and can consider accounts with claims history or other underwriting challenges. What coverages are included in the policy?Key coverages include general liability, auto liability, auto physical damage, environmental impairment liability, and umbrella coverage. How do I get a quote for my client?You can submit an application or reach out directly to our team to discuss your client’s needs. Customized quotes and rates are available based on the account specifics. Need help placing an account? Connect with a market specialist. ...

Environmental Liability Coverage for Auto Dealers and Repair Shops Seafire Insurance Services offers a specialized Auto Dealer and Repair Shop Environmental Insurance Program designed specifically to help independent agents and brokers place environmental liability coverage for franchised auto dealers and repair shops. This program addresses the unique risks faced by businesses handling hazardous materials, waste disposal, and vehicle-related pollutants. Ideal Accounts and Appetite This program is best suited for franchised auto dealerships and automotive repair operations that need protection against environmental exposures tied to their daily operations. Ideal accounts include: Franchised auto dealers with on-site service bays Auto repair shops and service centers Facilities that transport or dispose of waste oils, chemicals, or other hazardous materials You might have a client who owns a dealership with an aging underground storage tank or a repair facility concerned about liability related to waste disposal. This program provides a path to coverage that addresses those risks. Coverage Highlights and Advantages Backed by the Chubb Group of Insurance Companies*, this program offers: Coverage limits up to $1 million Protection for new pollution incidents at insured sites Liability coverage for non-owned disposal sites Transported cargo pollution liability In addition to robust coverage, Seafire delivers underwriting expertise gained from over 100 years of combined industry experience. You can expect: A streamlined application process Simple, efficient underwriting Fast quote, bind, and issue turnaround Nationwide availability across the continental U.S. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and coverage limits selected. The application process is designed to be agent-friendly, helping you secure coverage efficiently for eligible clients. Territories and Availability The program is available in most states across the continental U.S., including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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...A, WA, DC, WV, WI, and WY. Note: This program is written on a non-admitted basis. Why Work With Seafire Insurance Services? As a trusted program administrator, Seafire Insurance Services delivers more than just coverage — we deliver solutions. Our team understands the environmental exposures unique to auto-centric operations and provides tailored support throughout the placement process. To get started with our Auto Dealer and Repair Shop Environmental Insurance Program, simply: Register with us Learn more and download the application here Begin binding quality environmental liability coverage for your auto dealer clients For further information, visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for franchised auto dealers and automotive repair shops with pollution exposures related to vehicle servicing, hazardous waste handling, or chemical storage. Is the program available nationwide?Yes, the program is available in most U.S. states across the continental U.S., including major markets like California, Texas, Florida, and New York. What carriers back this program?The program is underwritten by the Chubb Group of Insurance Companies, providing strong financial backing and specialized environmental coverage options. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage structuring. How do I submit an application?You can register with Seafire Insurance Services and download the application directly from their website to begin the submission process. Need help placing an account? Connect with a market specialist.

Environmental liability insurance is a specialized form of insurance coverage designed to protect organizations from the financial risks associated with environmental damage or pollution incidents. We specialize with Contractors Pollution Liability (CPL) and Pollution Legal Liability (PLL) The need for environmental liability insurance has increased as environmental regulations have become more stringent, and the potential for environmental incidents and their associated costs has grown. Industries such as manufacturing, energy production, waste management, and construction face significant environmental risks due to their operations, making this insurance crucial for mitigating potential financial losses. Environmental liability insurance typically covers a range of risks, including pollution, contamination, and the release of hazardous substances. It can provide protection against liabilities stemming from incidents such as soil or groundwater contamination, air emissions, or accidental spills. The policy may also cover legal defense costs, first &/or third-party bodily injury, property damage claims, and remediation expenses. Having environmental liability insurance offers several benefits. It provides peace of mind to policyholders, knowing that they are financially protected in the event of an environmental incident. It can also help businesses meet regulatory requirements and demonstrate their commitment to environmental responsibility, which can enhance their reputation and credibility. Insurance coverage can vary depending on the specific policy, and it is essential for policyholders to understand the terms, exclusions, and limits of their coverage. Consulting with professionals who specialize in environmental liability insurance can help individuals and businesses navigate the complexities of this type of coverage and ensure they have adequate protection tailored to their unique needs. Our dedicated and experiences professionals are here to assist and help our clients with your important insurance needs. ...

Business Auto Coverage for Environmental Contractors Bonding and Insurance Specialists Agency, Inc. (BISA) offers a specialized Business Auto Coverage program tailored to the unique needs of environmental contractors. Whether your clients are hauling hazardous materials, transporting remediation equipment, or operating fleets in high-liability scenarios, this program is designed to provide the flexible, high-limit protection they need to operate confidently and compliantly. Ideal Accounts and Appetite This program targets environmental contractors and related businesses with commercial auto exposure. Ideal accounts include: Environmental remediation contractors Hazardous waste haulers Septic and wastewater service providers Industrial cleaning and spill response units Companies transporting environmental testing equipment Whether your client operates a single vehicle or a fleet, BISA’s markets can accommodate a wide range of risk profiles and vehicle types used in the environmental contracting space. Coverage Highlights and Advantages A.M. Best "A" rated Insurance carriers Limits of liability available up to $5 million Pollution Liability endorsement available to address environmental exposures MCS-90 endorsement available for DOT compliance With comprehensive coverage options, this program helps your clients meet contractual requirements, state and federal regulations, and maintain business continuity in the face of auto-related liabilities. The Pollution Liability endorsement is especially valuable for clients handling or transporting hazardous materials. Underwriting Notes and Minimum Premiums This is a non-admitted program, offering more flexibility in underwriting and coverage customization. While no specific minimum premium is listed, brokers are encouraged to submit accounts for review regardless of size. BISA is known for its responsive underwriting team and willingness to take a closer look at niche risks. Strong submissions typically include safety protocols, driver lists, vehicle schedules, and DOT history (if applicable). New ventures may be considered with sufficient supporting documentation. Territories and Availability This program is available 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..., TX, UT, VT, VA, WA, DC, WV, WI, WY Agents and brokers across the U.S. can access this program through BISA’s appointed markets. Why Work With Bonding and Insurance Specialists Agency, Inc.? With deep expertise in environmental and contractor-related risks, BISA provides brokers with access to tailored solutions that many standard markets won’t entertain. Their long-standing relationships with A-rated carriers and commitment to underwriting flexibility make them a valuable partner for placing complex auto risks. If you have a client operating a fleet of vacuum trucks for environmental cleanup or a small firm transporting soil samples and remediation equipment, BISA can help you deliver the right coverage at competitive terms. Frequently Asked Questions What types of accounts are a good fit for this program?Environmental contractors such as remediation firms, hazardous waste haulers, septic services, and industrial cleaning companies are ideal candidates. Is this program available in all states?No, but it's available in most states across the U.S., including CA, TX, FL, NY, and more. Contact BISA for specific state availability. Can new ventures or startups qualify for coverage?Yes, new ventures may be considered depending on the strength of the submission, including safety practices and experience. What limits of liability are available?Limits are available up to $5 million, providing flexibility for clients with higher exposure or contractual requirements. Does the policy include Pollution Liability coverage?A Pollution Liability endorsement is available, which is especially useful for insureds handling or transporting hazardous materials. Need help placing an account? Connect with a market specialist.