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Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.

At Insential, Inc., we specialize in helping insurance agents and brokers secure tailored coverage solutions for clients requiring higher liability limits. Our Excess Liability Insurance program is designed to provide the additional protection your insureds need when primary general liability or umbrella policies may not be enough to absorb catastrophic losses. Whether you're placing a large commercial account with layered risk or helping a smaller business mitigate exposures beyond their current limits, we can support your placement strategy with flexible excess solutions. Ideal Accounts and Appetite This program is suitable for a wide range of general commercial classes. We have particular experience with: General contractors and subcontractors Amateur sports organizations and venues Hospitality and entertainment risks Manufacturers, wholesalers, and distributors Large commercial real estate and habitational risks Whether your client is a national contractor requiring layered excess protection or a regional sports league seeking a single layer of added coverage, we can work with you to structure a solution that matches their risk profile. Coverage Highlights and Advantages Excess capacity placement over primary or umbrella policies Ability to participate in towers and layered placements for large accounts Support for both high-limit and modest-limit needs Flexible carrier access—utilize one or more markets to tailor protection Placement available for most general liability classes With our deep industry relationships and diligent risk evaluation, we help you deliver well-structured excess liability solutions to your most complex accounts. Underwriting Notes and Minimum Premiums Each submission requires a fully completed ACORD application. Underwriting is based on a comprehensive review of operations, loss history, and existing coverage structure. Minimum premiums vary depending on the risk class, limits requested, and program structure. Territories and Availability Our Excess Liability Insurance program is available in most states, including but not limited to CA, FL, NY, TX, IL, and GA. We offer access to markets across the U.S., including both admitted and non-admitted options, with most coverage placed in non-admitted markets for greater flexibility. Why Work With Insential As an experienced Excess & Surplus Lines Broker, Insential brings specialized knowledge and strong carrier relationships to every placement. Our team works closely with agents and brokers to understand each client’s needs and find the most effective coverage structure. Whether you're placing a single-layer excess policy or building a multi-layer tower, we can help you deliver competitive, reliable options to your clients. Fully completed ACORD application is required For more information about our Excess Liability Insurance or other available products, please call us at 888-571-6160. Frequently Asked Questions What types of accounts are a good fit for this Excess Liability Insurance program?We work with a wide range of commercial accounts, including general contractors, amateur sports organizations, manufacturers, and hospitality businesses. Both large and mid-sized risks are considered. Can you place excess liability in a layered structure or tower?Yes. For larger accounts, we can participate in layered programs or structured towers to help achieve the total limits your client requires. Do you work with admitted or non-admitted markets?Most placements are made through non-admitted markets, giving us the flexibility to handle complex or higher-risk accounts. Availability may vary by state and class. What is required to begin underwriting a submission?A fully completed ACORD application is required. Additional documentation such as loss runs, underlying coverage details, and supplemental forms may be requested based on the risk. Is there a minimum premium for this program?Minimum premiums vary based on the risk profile, coverage limits, and market conditions. Contact us to discuss your specific account. Need help placing an account? Connect with a market specialist.

Environmental Insurance Overview of the Program From Atlantic Specialty Lines, Inc. Atlantic Specialty Lines, Inc. offers a robust Environmental Insurance program tailored for agents and brokers seeking coverage solutions for clients with environmental exposures. As an Excess & Surplus Lines Broker, Atlantic provides flexible, non-admitted options across a broad range of industries and risk profiles. Whether your client is a contractor, environmental consultant, or operates a facility with potential pollution concerns, Atlantic can help you place challenging environmental accounts efficiently. Ideal Accounts and Appetite This program is designed to respond to a variety of environmental risks. The following classes are particularly well-suited for placement through Atlantic Specialty Lines: Environmental Consultants and Engineers – Firms involved in site assessments, remediation design, and environmental compliance. Environmental and General Contractors – Contractors performing remediation, demolition, utility work, or construction services with potential pollution exposures. Site-Specific Pollution Risks – Property owners or operators with known or potential contamination issues, such as industrial sites, landfills, or manufacturing facilities. Aboveground and Underground Storage Tanks – Coverage options for tank owners or operators, including compliance with financial responsibility regulations. You might have a client who owns a manufacturing facility with on-site chemical storage or a remediation contractor working with brownfield redevelopment projects—both are ideal candidates for this program. Coverage Highlights and Advantages Atlantic Specialty Lines provides access to a wide range of environmental coverages that can be customized to meet the needs of various industries and operations. Coverage options may include: Contractors Pollution Liability (CPL) Pollution Legal Liability (PLL) Storage Tank Liability Errors & Omissions for environmental professionals Mold and microbial matter coverage Policies can be tailored to address site-specific risks, project-based exposures, or ongoing operational liabilities. Underwriting Notes and Minimum Premiums Minimum premiums for environmental placements vary depending on the risk class, location, and exposure details. Atlantic Specialty Lines works with a wide range of E&S carriers to find the best fit for your client’s needs. Submissions should include detailed information regarding operations, loss history, and environmental reports (if applicable) to ensure accurate and timely quotes. Territories and Availability This Environmental Insurance program is available in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Atlantic Specialty Lines writes on a non-admitted basis, allowing for greater flexibility in coverage terms and risk acceptance in these jurisdictions. Why Work With Atlantic Specialty Lines, Inc.? Atlantic Specialty Lines brings deep expertise in environmental risks and a responsive, solution-oriented approach to the E&S marketplace. With access to leading environmental carriers and a strong underwriting team, Atlantic helps agents navigate complex submissions and place hard-to-insure accounts. Their commitment to fast turnaround times and tailored solutions makes them a reliable resource for producers who regularly handle environmental-related exposures. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include environmental consultants, remediation contractors, general contractors with pollution exposure, property owners with known contamination, and operators of storage tanks. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through various E&S carriers, providing flexibility in underwriting and coverage terms. What states is this program available in?This program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. What information is needed to get a quote?Submissions should include a completed application, detailed description of operations, loss history, and any relevant environmental assessments or reports. Can this program accommodate project-specific coverage?Yes, the program can be structured to provide project-specific coverage, especially for contractors and consultants working on remediation or development sites. Need help placing an account? Connect with a market specialist.

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Sewer, septic, and pipeline contractors face a wide array of operational risks that can lead to costly claims and liability exposures. From ground shifting and code violations to property damage and environmental concerns, these contractors require tailored insurance solutions that address the specific hazards of their work. Novatae Risk Group offers a dedicated Sewer, Septic, & Pipeline Contractor General Liability Insurance program designed to help agents and brokers place this challenging class of business with confidence. Backed by over 30 years of industry experience, our team—operating under the Empire Underwriters brand—has worked with thousands of sewer, septic, and pipeline contractors nationwide. Whether your client is a new venture, had prior claims, or operates across multiple states, we provide flexible underwriting solutions and fast turnaround times. Partner with us to gain access to multiple admitted and non-admitted markets, including certain Underwriters at Lloyd’s of London. Ideal Accounts and Appetite: Pipeline Contractors Sewer Contractors Septic Contractors Private, Municipal, State, or Federal Contractors Accounts with prior or open claims Cancelled or lapsed policies New ventures and startups Multi-state operations Accounts requiring CG201185 equivalent endorsements If you have a client with a sewer installation business that recently had a lapse in coverage or a pipeline contractor expanding into new states, we can help you secure the right general liability coverage to protect their operations and meet jobsite requirements. Coverage Highlights and Advantages: Competitive general liability coverage tailored to underground utility work Quick turnaround on submissions and quotes Multiple carrier options, both admitted and non-admitted Solutions available for distressed or hard-to-place risks Submission Requirements: ACORD 124 & 126 forms 3–4 years of loss runs Supplemental questionnaire Details on any large losses or lapses in coverage Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the size, scope, and location of the operation. We offer underwriting flexibility for accounts with prior claims, new ventures, and businesses with specialized liability needs. Territories and Availability: This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Availability includes both admitted and non-admitted options, depending on the state's regulatory landscape and account specifics. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep expertise and a broad market reach to this niche. Our team has decades of experience placing sewer, septic, and pipeline contractor business, and we understand the underwriting nuances that many standard markets overlook. Let us help you find the right solution for your contractor clients—quickly and effectively. Please contact us at 800-758-8113 to speak with an experienced broker about your Sewer, Septic, & Pipeline Contractor General Liability Insurance accounts. Do you need a General Liability Insurance quote for your Sewer, Septic, and Pipeline accounts? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in sewer, septic, and pipeline contractors, including private, municipal, and government projects. Accounts with prior claims, new ventures, and multi-state operations are welcome. Can you place accounts with a lapse in coverage or large losses?Yes, we regularly work with accounts that have had lapses in coverage or significant prior losses. Detailed underwriting information will be required to assess the risk. Is this program available in admitted markets?Yes, we offer both admitted and non-admitted options depending on the state and account profile. We work with several carriers, including certain Underwriters at Lloyd's of London. What documents are needed to submit an account?We require ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and explanations for any large losses or coverage lapses. How quickly can I get a quote?We offer quick turnaround times. Once a complete submission is received, our team typically responds within a few business days. Need help placing an account? Connect with a market specialist.