https://completemarkets.com/company/firstchoiceii/Environmental-Consultants-Program/
Overview — Environmental Consultants Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers an Environmental Consultants Program designed for agents and brokers placing environmental consulting firms that need comprehensive wraparound protection. The program combines General Liability, Contractor's Pollution Liability, and Professional Liability to address the varied third-party and professional exposures consultants face while performing site assessments, remediation oversight, laboratory work, and related services.
Coverage Highlights and Advantages
The program features broad policy language tailored for environmental consulting operations, including an expansive definition of professional services and a wide definition of "your work" that captures work performed by, or on behalf of, the named insured. Highlights include:
Primary coverages: General Liability, Contractor's Pollution Liability, and Professional Liability.
Flexible limits: Capacity up to $25 million for eligible accounts.
Broad professional definitions: Policies are written to reflect the typical scope of environmental consulting work, including work performed by subcontractors or agents.
Additional coverages are available on select classes:
Primary Commercial Auto
Follow Form Excess
Premises Pollution Liability
Products Pollution Liability
Ideal Accounts and Appetite
This program is targeted at environmental consultants whose operations are primarily environmental in nature. Preferred classes include consultants who perform professional services such as:
Testing, monitoring, or conducting remedial feasibility studies of pollutants
Design of systems, protocols, or remedial action programs for remediation or abatement of pollutants
Phase I, Phase II, or Phase III environmental assessments and remedial investigations
Storage tank and pipeline integrity testing
Laboratory analysis of pollutants
Project management of remediation activities
Environmental compliance, permitting, training, or safety consulting services
Restricted classes: Firms with greater than 50% of gross revenue derived from non-environmental operations or services are typically not a fit for this program.
Underwriting Notes and Minimum Premium
Underwriters evaluate accounts based on scope of services, project size, past claims history, subcontractor controls, and revenue mix. The program is best for firms with an environmental focus and documented controls for field work and laboratory procedures. Accounts with significant contractor-style pollution exposure are considered, provided appropriate risk controls are in place.
Minimum premium: $2,500. Larger or higher-risk placements may require higher premiums and additional submission materials (e.g., proposals, past loss runs, resumés of key personnel, sample contracts).
Territories and Availability
This program is available in the following jurisdictions: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MI, MS, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI. Availability may vary by state and submission—contact First Choice Insurance Intermediaries, Inc. for current territorial appetite.
Why Place This Business With First Choice Insurance Intermediaries, Inc.
As a wholesale broker, First Choice Insurance Intermediaries, Inc. specializes in placing environmental consultant risks with carriers that understand the technical and professional nature of these services. The program's strengths include broad professional definitions, flexible limit structures up to $25 million, and optional coverages that let you tailor terms to the account.
Example scenarios that often fit well:
A mid-sized environmental consulting firm that performs Phase I–III assessments and oversees remediation projects—needs combined professional and pollution liability limits and primary GL.
A laboratory specializing in pollutant analysis that requires Contractor's Pollution Liability and Professional Liability for analytical errors and sample handling.
If you have a client with primarily environmental operations and documented risk controls, submit detailed applications and loss history to First Choice Insurance Intermediaries, Inc. to access this program's capacity and specialty underwriting.
Frequently Asked Questions
What types of accounts are a good fit for this program?Environmental consulting firms whose primary revenue comes from testing, site assessments, remediation design/oversight, laboratory analysis, compliance, or related professional services. Firms with clear project controls and limited non-environmental revenue are preferred.
What coverages are included and what limits are available?The program combines General Liability, Contractor's Pollution Liability, and Professional Liability. Additional options on select classes include Primary Commercial Auto, Follow Form Excess, Premises Pollution, and Products Pollution. Capacity is available up to $25 million for eligible accounts.
Are there classes or operations you will not accept?Firms with more than 50% of gross revenue from non-environmental operations are typically restricted. Accounts with extensive contractor operations without environmental controls, or unacceptable loss histories, may also be declined.
What is the minimum premium and what submission materials are needed?Minimum premium is $2,500. Submissions should include a completed application, current loss runs, description of services performed, sample contracts, and resumés of key technical staff when available.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/veracityinsurance/research-and-development-insurance/
The Research & Development Insurance Program from Veracity Insurance Solutions, LLC is specifically designed for scientific and technology-driven companies engaged in research, development, and innovation. Whether your client is a start-up biotech firm, a virtual pharmaceutical company outsourcing lab work, or a tech enterprise transitioning from pre-clinical to clinical trials, Veracity offers flexible, tailored insurance solutions to meet evolving risk profiles.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of research-driven businesses, including but not limited to:
Biotech and pharmaceutical start-ups
Medical device developers
Contract research organizations (CROs)
Tech companies offering R&D services or hybrid product/service models
Virtual companies operating with outsourced supply chains
You might have a client launching a new medical device and beginning clinical trials, or a software company developing a proprietary algorithm for healthcare data—both would be strong candidates for this program.
Coverage Highlights and Advantages
The Research & Development policy provides broad and customizable protection, enabling coverage to grow with your client's business. Key features include:
General Liability – Protects against third-party bodily injury and property damage claims.
Professional Liability – Covers errors or omissions in R&D services rendered.
Product Liability – For companies offering physical or digital products.
Pollution & Contamination Liability – Address exposures from lab materials or testing environments.
Clinical Trials Coverage – Crucial for companies entering the testing phase.
Intellectual Property Rights Infringement – Helps manage the risk of IP disputes.
Virus & Hacking Attack Liability – Protection against cybersecurity threats.
Ideologically Motivated Attacks – Includes unique considerations for controversial or cutting-edge research sectors.
Brand Protection – Preserves reputation in the wake of negative events or claims.
Underwriting Notes and Minimum Premiums
With minimum premiums starting at $1,000, this program is accessible to emerging businesses and start-ups. Veracity welcomes new ventures and early-stage operations. Their underwriting team understands the nuances of scientific innovation and works closely with brokers to structure coverage that fits.
Territories and Availability
This program is available nationwide, including all 50 states and Washington, D.C. Most markets are available on a non-admitted basis, offering flexibility for unique or hard-to-place risks.
Why Work With Veracity Insurance Solutions
Veracity Insurance Solutions is a respected Managing General Agency and Excess & Surplus Lines Broker with access to multiple carriers and a strong track record in niche liability programs. Their expertise in emerging industries and commitment to flexible underwriting make them a reliable partner for brokers seeking specialized R&D coverage. From application to policy issuance, Veracity supports you with responsive service and market insight.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for biotech firms, pharmaceutical start-ups, medical device developers, and research organizations, including virtual companies and those transitioning to clinical trials.
Is this program available to new ventures or start-ups?Yes, Veracity welcomes start-up operations and early-stage companies, offering flexible coverage options for growing businesses.
Can this policy be customized as the business evolves?Absolutely. The policy is designed to adapt to changing risk profiles, such as transitioning from research to clinical trials or expanding product offerings.
What is the minimum premium for this program?The minimum premium starts at $1,000, making it accessible to small and emerging R&D organizations.
Is the program available in all states?Yes, the program is available in all 50 states and Washington, D.C., with most markets offered on a non-admitted basis.
Need help placing an account? Connect with a market specialist.