https://completemarkets.com/company/citadelinsuranceservices/environmental-insurance/
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.