Search CompleteMarkets

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.

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. ...

Environmental Contractors PL/General/Pollution Liability Program Access E&S Insurance Services offers a specialized Environmental Contractors PL/General/Pollution Liability program designed to help insurance agents and brokers place hard-to-insure environmental accounts. With access to multiple non-admitted carriers and deep expertise in the environmental sector, Access E&S delivers solutions for a wide range of pollution and contractor-related exposures. Ideal Accounts and Appetite This program targets a variety of environmental and trade contractors with pollution exposures, including but not limited to: Environmental remediation contractors Asbestos and lead abatement contractors Tank installers and removers Hazardous waste haulers Mold remediation professionals Industrial cleaning and vacuum truck services General contractors with incidental environmental operations Whether you have a client cleaning up brownfield sites or performing lead paint removal in commercial buildings, this program can be structured to provide the appropriate liability protections. Coverage Highlights and Advantages The Environmental Contractors PL/General/Pollution Liability program offers flexible and customized coverage options to address the complex exposures faced by environmental professionals. Coverage highlights may include: Contractors Pollution Liability (CPL) Professional Liability (Errors & Omissions) General Liability Site-specific pollution coverage Claims-made or occurrence forms Blanket additional insureds, waiver of subrogation, and primary/non-contributory wording endorsements available The program is designed to protect against third-party bodily injury, property damage, and cleanup costs resulting from environmental operations or professional services. Underwriting Notes and Minimum Premiums Minimum premiums vary based on class of business, size of operation, and scope of services. Access E&S works with a variety of surplus lines markets to tailor coverage terms to fit each account. Underwriters evaluate: Years in business and safety record Types of services performed Geographic scope of operations Prior claims history Subcontractor use and controls Submissions with complete applications, loss runs, and project details help expedite the quoting process. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Nevada, Texas, and Washington. All placements are written on a non-admitted basis through various E&S carriers. Why Work With Access E&S Insurance Services As an experienced excess and surplus lines broker, Access E&S brings deep knowledge of environmental risks and access to multiple specialty carriers. You can count on responsive service, market access, and underwriting support to help you place complex environmental contractor accounts that may not fit in the standard market. Whether you’re working on a large remediation contractor or a smaller mold abatement firm, Access E&S can help you find the right coverage solutions. To learn more about this program or to submit a risk, visit the Access E&S Insurance Services company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors such as remediation firms, tank removers, mold and asbestos abatement contractors, and hazardous waste haulers. Is this coverage available on an admitted basis?No, all coverage through this program is written on a non-admitted basis through various E&S carriers. What information is needed to get a quote?Complete applications, current loss runs, project details, and a clear description of services performed will help speed up the underwriting process. Can the program accommodate contractors working in multiple states?Yes, as long as the operations are based in one of the available states (AZ, CA, CO, NV, TX, WA), multi-state operations may be considered depending on the risk profile. Does the program include both professional and pollution liability?Yes, the program can offer combined Contractors Pollution Liability and Professional Liability coverages, depending on the insured’s operations and needs. 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. ...

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.

Hazardous Materials & Hazardous Waste Haulers Insurance Program Freberg Environmental Insurance, Inc. (FEI) offers a specialized insurance program tailored for hazardous materials and hazardous waste haulers. Designed with the complex needs of environmental transportation in mind, this program helps agents and brokers secure comprehensive protection for clients engaged in hauling petroleum, chemicals, medical waste, and other regulated substances. Ideal Accounts and Appetite This program is built for businesses transporting high-risk materials. Target classes include: Petroleum and chemical haulers Compressed gas transporters Waste oil and sludge carriers Remediation contractors Medical waste and contaminated soil haulers Asbestos and solvent transporters Liquid asphalt and PCB fluid handlers Accounts involving radioactive materials, explosives, fireworks, military ordnance, or large objects such as cranes or oil field equipment are ineligible. Coverage Highlights and Advantages Coverages: • Auto Liability • Auto Physical Damage • Excess Auto Liability • Motor Truck Cargo • Commercial General Liability (CGL) for truckers Key policy endorsements include: ISO Broadened Pollution Form CA 99 48 10 01 MCS-90 All necessary state filings FHWA BMC-91x Filing Underwriting Notes and Driver Qualifications Available terms include $1,000,000 combined single limit (CSL), with Excess Auto limits up to $4,000,000 in excess of $1,000,000. Primary coverage is written through Arch Insurance Group. Excess Auto coverage is placed with members of W.R. Berkley companies, both carrying strong A.M. Best ratings ("A" XV and A+ XV, respectively). Driver Qualifications (Minimum): • CDL for two years with proper endorsements • 23 years of age minimum • No more than two combined violations and/or accidents in the past three years Territories and Availability This program is available in all U.S. states except Massachusetts (MA) and Alaska (AK). All required state filings are handled as part of the program. It is written on a non-admitted basis but supported by carriers with excellent financial strength and environmental expertise. Why Work With Freberg Environmental Insurance FEI is a trusted program administrator with deep roots in the environmental insurance space. Their underwriting team understands the nuances of hazardous materials transportation and offers responsive service to help agents place complex risks with confidence. With broad geographic reach, tailored coverage options, and strong carrier backing, FEI is a reliable partner for agents with clients in the environmental trucking sector. You might have a client who hauls medical waste across multiple states or a remediation contractor transporting contaminated soil from job sites—this program is designed to handle those risks efficiently and effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for haulers of petroleum, chemicals, medical waste, contaminated soil, and other hazardous materials. Remediation contractors and waste transporters are also a strong fit. Are there any types of cargo that are not eligible?Yes, the program excludes radioactive materials, Class I explosives, fireworks, military ordnance, and large objects like cranes or oil field equipment. Which states is this program available in?The program is available in all U.S. states except Massachusetts (MA) and Alaska (AK). What are the minimum driver requirements?Drivers must be at least 23 years old, have held a CDL with proper endorsements for at least two years, and have no more than two combined moving violations or accidents in the past three years. Who are the carriers backing this program?Primary coverage is written through Arch Insurance Group (A.M. Best “A” XV). Excess Auto coverage is underwritten by members of the W.R. Berkley companies (A.M. Best “A+” XV). Need help placing an account? Connect with a market specialist. ...

Landmark E&S provide risk management services along with enhanced insurance coverages for the following products: • Manufacturers Product Pollution • Contractors Pollution Liability • Environmental Contractors and Consultants • Hazardous and Non-hazardous Waste Haulers • Professional Liability • Lender’s Liability • Pollution Legal Liability • Storage Tanks Liability We have dedicated brokers focused on environmental risk that will provide you with the best coverages for your clients. ...

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. ...