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The Distel Group offers a robust Commercial Auto Insurance program tailored for trucks and specialized hauling operations. With broad coverage options and a strong appetite for niche transportation risks, this program gives agents the flexibility and strength they need to place hard-to-fit accounts. Whether you're helping a contractor with dump trucks or a hauler transporting construction materials, The Distel Group has solutions designed to meet your clients’ unique needs. Ideal Accounts and Appetite This program is ideal for a wide range of commercial auto exposures, including: Truckers for hire, with a radius of up to 500 miles (state-dependent) Garbage haulers and waste disposal services (excluding landfill operations) Dirt, sand, and gravel haulers Dump trucks and mix-in-transit vehicles Public livery such as taxis and limousines Buses for schools, churches, and nonprofits Social service fleets, including non-emergency medical transport Delivery operations—wholesale and retail Contractor fleets and tow trucks Auto dealers and more Please note: Risks involving ownership or operation of a landfill are not eligible. Coverage Highlights and Advantages Our Commercial Auto Insurance program offers a comprehensive range of coverages, including: Auto Liability, Physical Damage, Cargo, and Excess Auto—many available in all 50 states Primary Liability limits up to $1 million (up to $1.2 million for hazardous materials haulers in California) Excess Auto Liability up to $4 million excess of $1 million Buffer layer Auto Liability limits to help meet combined limit requirements State and regulatory filings provided For insureds purchasing Physical Damage coverage, our Special Coverages Endorsement includes: Down-time Loss Expense up to $3,600 Electronic Equipment coverage up to $5,000 Personal Effects coverage up to $2,500 Loan or Lease Gap coverage if the stated value equals or exceeds the financial obligation Towing expenses in addition to the stated limit Windshield repairs without a deductible Diminishing Deductible—reduced each loss-free year and eliminated after five years Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the specific class of business, coverage selections, and underwriting details. The program is underwritten on a non-admitted basis in most markets, allowing for flexibility in structuring policies to meet unique risk profiles. Territories and Availability This program is currently available in CT, ME, MA, NH, RI, and VT. Our extensive carrier relationships also allow us to support accounts in other states where eligible, depending on risk characteristics and regulatory requirements. Why Work With Joseph Distel & Co. Inc. As a Managing General Agency and E&S Lines Broker, Joseph Distel & Co. Inc. brings decades of experience and market access to transportation-related risks. Our deep understanding of commercial auto exposures—especially in niche hauling classes—makes us a valuable partner for agents placing complex or specialized accounts. We work with a variety of carriers to help you find the right fit for your client’s needs and provide responsive underwriting and service support. You might have a client operating a fleet of dump trucks for a local construction company or a regional hauler transporting gravel and sand. Our program is designed to cover these types of operations—giving you the tools to secure competitive, comprehensive coverage. Call The Distel Group today for all of your Commercial Auto Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in trucking operations such as dump trucks, dirt/sand/gravel haulers, garbage haulers (non-landfill), and contractor fleets. Public livery, buses, tow trucks, and delivery fleets are also eligible. Are there any excluded risks?Yes, risks that own or operate a landfill are not eligible for this program. Other exclusions may apply based on underwriting review. Is the coverage available on an admitted or non-admitted basis?Most markets are non-admitted, offering flexibility in structuring policies for unique or hard-to-place risks. In which states is this program currently available?This program is available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. What types of endorsements are included with Physical Damage coverage?Special endorsements include down-time expense, electronic equipment, personal effects, towing, windshield repair with no deductible, and a diminishing deductible feature. Need help placing an account? Connect with a market specialist.

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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.

Manufacturers and Distributors Insurance Program from Environmental Underwriting Solutions Environmental Underwriting Solutions offers a wholesale insurance program designed for manufacturers, blenders, re-packagers, and distributors who handle environmentally sensitive or regulated products. The program blends Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution coverage to address the pollution and environmental exposures common to these operations. Whether a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollution-focused protection. With flexible underwriting and access to multiple carriers, Environmental Underwriting Solutions helps brokers place complex environmental accounts that can be difficult to bind in standard markets. Ideal Accounts and Target Classes This program is a fit for a wide range of commercial operations, including: Manufacturers and blenders of industrial or specialty chemicals Re-packagers and contract packagers of hazardous or regulated materials Distributors and wholesalers of chemicals, paints, solvents, and cleaners Oilfield and energy-related product suppliers Water treatment chemical suppliers Manufacturers and distributors of environmental remediation equipment If your client stores, repackages, or transports chemicals—or otherwise has an accidental-pollution exposure—this program is designed to address those risks. Coverage Highlights and Program Features Key coverages and options include: Commercial General Liability (CGL) with optional Products Pollution coverage Claims-made Environmental Impairment Liability (EIL), with facility-level customization Emergency response cost coverage for pollution incidents that require immediate action Transit Pollution Liability for goods in transport Optional Non-Owned Disposal Site coverage Per-location and per-project general aggregate limits Coverage for both new and pre-existing pollution conditions on scheduled properties Additional Pollution Legal Liability (PLL) for exposures tied to products, contracting, or transportation of goods and waste Primary liability forms may include broad form named insured and additional insured status; no premium audit provision on certain programs Excess liability layers are available and can be tailored to include or exclude pollution, auto, and employers’ liability components as required. Underwriting Notes and Minimum Premiums This program is distributed on a wholesale basis with a minimum premium starting at $5,000. Competitive submissions typically include complete operational details, current loss history, site controls, safety programs, and information on storage/transport practices. Environmental Underwriting Solutions can accommodate a range of risk profiles, but accounts with strong loss control measures and clear documentation will receive the most favorable terms. Example scenarios that commonly place well: A regional distributor that repackages industrial cleaners and maintains centralized, secondary-contained storage with modern spill controls. A small manufacturer of specialty coatings that ships product nationwide, needs transit pollution coverage, and has documented environmental management procedures. Territories and Availability The Manufacturers/Distributors program is available in most states, 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Coverage is typically placed on a non-admitted basis, although admitted options may be available in select states depending on carrier appetite. Why Work With Environmental Underwriting Solutions? As a wholesale broker specializing in environmental risk, Environmental Underwriting Solutions focuses on placing accounts with pollution and product-related exposures that standard carriers may decline or limit. Their strengths include: Deep niche expertise in environmental and pollution liability Access to multiple carriers and flexible program structures Responsive underwriting and the ability to tailor limits and endorsements by facility or project Experience placing accounts involving transit, disposal-site exposures, and product pollution You’ll find this program helpful when your client’s operations require specialized pollution wording, emergency response provisions, or coverage for pre-existing conditions on scheduled properties. Contact us for more information on our Manufacturers/Distributors program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, blenders, re-packagers, and distributors of chemicals, paints, solvents, coatings, remediation equipment, and similar industrial products. Does this program include pollution liability coverage?Yes, the program includes Environmental Impairment Liability (EIL), Products Pollution, and options for Transit Pollution and Non-Owned Disposal Site coverage. What is the minimum premium for this program?The minimum premium starts at $5,000. Submissions with detailed risk information and strong controls may qualify for the most competitive terms. Is coverage available in all states?Coverage is available in most U.S. states, including CA, TX, FL, NY, and others. Availability can vary by risk class and carrier appetite. What documentation is needed to submit an account?Underwriters typically request operational details, loss history, facility information, storage/transport practices, and safety protocols to evaluate and quote the account. Need help placing an account? Connect with a market specialist.