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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. ...

Environmental Liability Insurance Environmental exposures can lead to serious claims and lawsuits, especially for businesses involved in handling, transporting, or disposing of hazardous materials. J.M. Wilson Corp. offers a comprehensive Environmental Liability Insurance program designed to help agents and brokers place coverage for a wide range of environmental and non-environmental clients. Whether your insureds are environmental consultants, restoration contractors, or even HVAC or painting contractors, we provide access to competitive markets and tailored solutions that meet complex environmental risk needs. Ideal Accounts and Industry Targets Underground and Aboveground Storage Tanks Environmental Consultants and Laboratories Environmental and Restoration Contractors Crop Sprayers (Ground Applicators only) Waste Facilities including Landfills and Recyclers Asbestos and Lead Abatement Services Site-Specific Pollution Risks Non-Environmental classes such as HVAC, Painting, Fire/Water Restoration, and Street/Road Contractors Coverage Highlights and Advantages Limits of Liability available up to $17 million (varies by carrier) Separate limits for defense costs Worldwide coverage options Transit and Third-Party Transportation Pollution Liability Media and Technology coverage available Environmental Package policy available by endorsement Coverage from “A” rated carriers Available Coverage Forms Commercial General Liability Pollution Liability Umbrella/Excess Liability Contractor’s Pollution Liability (CPL) Environmental Professional Liability (PL) Environmental Impairment Liability (EIL – Enviro Flex) CPL - Contractor's Pollution Liability Exception for inadequate supervision of subcontractors under professional service exclusion Vehicle loading and unloading coverage Natural resource damage Non-owned disposal site coverage PL - Environmental Professional Liability Claims-made & reported coverage Defined breach of professional duty Insured vs. Insured exclusion with exception for scheduled additional insureds EIL - Environmental Impairment Liability - Enviro Flex Customized solutions for site-specific risks Products pollution and product recall Automatic acquisition coverage Restoration cost coverage Underwriting Notes and Minimum Premiums Minimum premium for Storage Tanks: $500 Minimum premium for Contractors and Consultants: $2,500 Premiums may vary by territory and class Territories and Market Access J.M. Wilson Corp. offers Environmental Liability Insurance coverage in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a variety of admitted and non-admitted carriers, enabling us to find flexible solutions for both standard and hard-to-place risks. Why Work With J.M. Wilson? As a trusted Managing General Agency and E&S Lines Broker, J.M. Wilson brings deep knowledge of environmental exposures and strong market relationships to help you place tough risks. From mold remediation contractors to waste facility operators, we can help you find the right coverage for your clients’ specific needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors, consultants, storage tank operators, mold remediation companies, and even non-environmental contractors like HVAC or painting professionals who may have incidental pollution exposures. Is coverage available for contractors doing asbestos or lead abatement?Yes, asbestos and lead abatement contractors are among our targeted classes and can be considered for pollution liability and related coverages. Are both admitted and non-admitted markets available?Yes, J.M. Wilson represents multiple carriers, with options available in both admitted and non-admitted markets depending on the risk and territory. What is the minimum premium for this program?Minimum premiums vary by class and territory. For example, storage tank accounts start at $500, while minimums for contractors and consultants begin at $2,500. Which states is this program available in?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist. ...

Seafire Insurance Services offers a specialized Auto Repair Environmental Insurance Program designed to address pollution and environmental liability exposures common to auto repair shops and franchised auto dealers. This program gives agents access to coordinated environmental coverage backed by the financial strength and expertise of the Chubb Group of Insurance Companies.* Ideal Accounts and Appetite Seafire targets franchised auto dealers and independent repair facilities that have potential environmental exposures. Typical fits include locations that handle, store, or transport fluids and hazardous materials, operate or remove underground storage tanks, or generate regulated waste. Example scenarios you can place with this program: A single-location repair shop that recently expanded service bays and now stores increased quantities of motor oil and solvents onsite. A multi-location franchised dealer that transports used oil offsite and needs coverage for non-owned disposal sites and transport liabilities. Coverage Highlights and Advantages Limits available up to $1 million Coverage provided by the Chubb Group of Insurance Companies*, including: - New pollution incidents at insured sites - Liability for non-owned disposal sites - Transported cargo and transportation-related pollution liability Seafire combines broad, market-backed coverage with underwriting experience focused on environmental risks for the automotive sector. Agents benefit from: A streamlined application and submission process Simplified, industry-specific underwriting guidelines Fast quote, bind, and issue turnaround Nationwide availability across the continental U.S. Underwriting Notes and Minimum Premiums Underwriting focuses on operational controls, storage practices, waste handling, and any existing remediation history. Minimum premiums vary by risk characteristics; the program is structured to be accessible across a wide range of auto-related environmental exposures. Provide current operations details and any environmental assessments to help accelerate review. Territories and Availability This program is available in all continental U.S. states, including CA, TX, FL, NY, IL, and PA. Coverage is offered on a non-admitted basis, which can provide greater flexibility on terms and appetite for certain environmental exposures. Why Work With Seafire Insurance Services As a program administrator focused on environmental liability, Seafire delivers expert underwriting, responsive service, and access to a premier carrier in Chubb. We understand the operational realities of auto repair and dealer businesses and structure solutions that are practical, underwriter-friendly, and quick to place. Ready to place business? To start with our Auto Repair Environmental Insurance Program: Register with Seafire Download the application and program materials here Submit applications and begin binding environmental coverage for your auto repair and dealer clients For additional program details and to review forms, visit Seafire’s website. Frequently Asked Questions What types of accounts are a good fit for this program?Franchised auto dealers and auto repair shops with potential pollution exposures—such as fluid storage, waste disposal, underground storage tanks, or transportation of hazardous materials—are ideal candidates. Is this program available in my state?Yes. The program is available in all continental U.S. states, including CA, TX, NY, FL, and many others. What carrier backs this program?Coverage is provided by the Chubb Group of Insurance Companies*, offering established financial strength and expertise in environmental liability solutions. What limits are available under the policy?Coverage limits are available up to $1 million, subject to underwriting review and the specific risk profile. How fast can I get a quote and bind coverage?Seafire offers a streamlined submission and underwriting process aimed at fast turnaround for quoting, binding, and issuing policies. 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. ...

Allow NAESIP's Value Added Services to Help Improve the Health and Profitability of Your Environmental Business NAESIP, offered through VAIL – Value Added Insurance Lines, is your go-to wholesale broker for Environmental Insurance solutions. We specialize in providing agents and brokers with comprehensive coverage options tailored to the complex risks faced by environmental contractors, consultants, and firms. Whether your client handles hazardous materials, performs remediation, or provides environmental consulting services, our program is designed to help you control insurance costs while maintaining strong coverage. Valuable Resources to Support Your Clients Environmental Publication Resource Environmental Sector Jobs Improving the Health and Safety of Families Online Personnel Screening Service Online Training Programs Safety First and E-Driver File Insurance Review (NAESIP) Coverage Highlights Coverages: General Liability Pollution / Professional Liability Excess and Job-Specific Excess Transit Pollution Onsite Environmental Coverage Tank Insurance Cost Cap Insurance Coverage Enhancements Property and Inland Marine Business Automobile Special Endorsements Workers’ Compensation Pending New Services Fleet Safety Program Legal Services OSHA Medical Monitoring Risk Seminars Ideal Accounts and Appetite This program is ideal for environmental contractors, site remediation firms, environmental consultants, waste haulers, and industrial cleaning services. You might have a client involved in underground tank removal, hazardous waste transportation, or mold/asbestos abatement. Those are the types of operations we understand well and insure effectively. Underwriting and Premium Info There is no minimum premium requirement, making this a flexible solution for accounts of all sizes. Underwriting is responsive and backed by years of experience in environmental exposures. We can assist with complex submissions and provide risk management support to improve insurability. Territory and Market Access Coverage is available in nearly every state, 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...T, VA, WA, DC, WV, WI, and WY. Most markets are available on an admitted basis, giving you peace of mind and smoother compliance for your insureds. Why Work with VAIL / NAESIP? VAIL – Value Added Insurance Lines, through NAESIP, delivers more than just insurance placements—we offer tools and services that help improve your clients' operations and risk profiles. From training and personnel screening to legal services and OSHA monitoring, our value-added approach helps differentiate your agency. We understand the unique challenges of environmental businesses and provide the coverages and support systems to help you grow your book with confidence. For all of your Environmental Insurance risks, contact NAESIP today! Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?This program is well-suited for environmental contractors, consultants, remediation specialists, waste haulers, and firms involved in pollution-related services. Is there a minimum premium required to access this program?No, there is no minimum premium. The program is designed to accommodate a wide range of account sizes. Are the markets admitted or non-admitted?Most available markets are admitted, offering compliance advantages and stability for your insureds. In which states is this program available?The Environmental Insurance program is available in all 50 states plus Washington, DC. What added services are included with this program?NAESIP offers value-added resources like online training, personnel screening, fleet safety, and OSHA medical monitoring to support your clients’ risk management efforts. 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.

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

Freberg Environmental Insurance, Inc. (FEI) offers specialized coverage for Architects & Engineers, Oil & Gas Consultants, Roustabouts, and related Contractors through Lloyd’s of London. This program is designed to address the complex professional and environmental exposures faced by design professionals and consultants working in technical and industrial sectors. Ideal Accounts and Appetite: This program targets a wide range of professionals, including: Architects (including landscape architects) Civil, electrical, and mechanical engineers Interior designers Oil & gas consultants and roustabouts Contractors performing professional services If you work with clients involved in infrastructure design, industrial site planning, or upstream energy consulting, this program offers tailored risk solutions. For example, you might have an oilfield services consultant client needing both professional and pollution liability—this program can help meet those combined needs. Coverage Highlights and Advantages: Professional Liability – Designed for design and consulting professionals Commercial General Liability – Available on most classes, with occurrence form CGL Contractors Pollution Liability (Claims-made) Media & Technology coverage options Blanket Primary & Non-Contributory endorsement available Hired & Non-Owned Auto endorsement Onsite Cleanup endorsement for laboratory risks Transportation of Pollutants Liability coverage available Underwriting Terms and Minimum Premiums: Limits up to $5 million available Minimum premium: $3,500 for Oil & Gas Consultants Minimum premium: $2,500 for all other programs Coverages and pricing vary based on class of business and risk profile. Submissions with detailed scopes of work and project types are helpful to streamline quoting. Territories and Availability: This program is available nationwide, including all 50 states and Washington, D.C. It is offered on a non-admitted basis through Lloyd’s of London, allowing broad flexibility in terms and structure. Why Work With FEI on This Program: As a Program Administrator with deep expertise in environmental and professional liability, FEI is a trusted partner for agents and brokers placing technical and high-risk accounts. With access to Lloyd’s markets and a focus on tailored underwriting, FEI can help you secure comprehensive solutions for clients who don’t fit in standard markets. For more information on the services and products offered by the A&E insurance program, contact: Scott Kenny, RPLU Senior Vice President, Program Manager Phone: (720) 931-2172 Fax: (303) 623-8101 Email: skenny@feiinsurance.com Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include architects, civil and mechanical engineers, interior designers, oil & gas consultants, roustabouts, and contractors performing professional services. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium is $3,500 for oil & gas consultants and $2,500 for other eligible classes. Are pollution liability and media coverage included?Pollution liability is available on a claims-made basis, and media & technology coverage can be added depending on the class and risk profile. Who underwrites this program?The program is underwritten through Lloyd’s of London and managed by Freberg Environmental Insurance, Inc. Need help placing an account? Connect with a market specialist. ...