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POLLUTION LIABILITY INSURANCE AVAILABLE NATIONWIDE Arlington/Roe offers a nationwide Pollution Liability Insurance program designed for agents and brokers seeking solutions for clients with environmental exposure risks. General liability policies often exclude pollution-related incidents, leaving a critical gap for many businesses. This program helps you protect your insureds from the financial impact of pollution-related claims, including bodily injury, property damage, cleanup costs, and regulatory fines. Ideal Accounts and Appetite Our pollution liability markets are a strong fit for a wide range of industries and operations where environmental exposures are a concern. Typical accounts include: Environmental and general contractors Fueling and maintenance facilities Farms and agricultural operations Storage yards and distribution centers Airports and aviation service providers If you have a client operating a fueling station at a small airport, or a contractor involved in environmental remediation, our program can help you secure tailored liability protection. Coverage Highlights and Advantages Pollution Liability Insurance through Arlington/Roe can include: Third-party bodily injury and property damage Costs associated with cleanup and site restoration Coverage for sudden and gradual pollution events Contractor’s Pollution Liability (CPL) Premises-specific coverage for fixed locations Our carriers understand the unique risks associated with environmental liability and provide flexible coverage solutions designed to meet regulatory and contractual requirements. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, scope of operations, and limits required. We offer access to both admitted and non-admitted markets to provide the best fit for your client’s risk profile. Our team will work with you to evaluate submissions and identify the right carrier and coverage structure. Territories and Availability This program is available across all 50 states and Washington, D.C., 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, WV, WI, and WY. Why Work With Arlington/Roe? As a trusted Managing General Agency and Excess & Surplus Lines Broker with over 20 years of experience in aviation and specialty lines, Arlington/Roe gives you access to more than 35 top-tier carriers. Our team understands the complexity of pollution risks and provides responsive, expert support throughout the placement process. We are committed to helping you serve your clients with confidence and care. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, fuel storage sites, farms, airports, and other operations where pollution exposures exist. Is pollution liability coverage included in general liability policies?No, general liability policies typically exclude pollution exposures. Separate pollution liability coverage is necessary to fill that gap. Can you write business in all states?Yes, our pollution liability program is available in all 50 states and Washington, D.C. What types of pollution events are typically covered?The program can cover both sudden and gradual pollution events, including third-party injury, property damage, and cleanup costs. Do you offer both admitted and non-admitted options?Yes, we represent markets offering both admitted and non-admitted coverage, allowing us to tailor solutions based on your client's needs. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance Program from Commercial Sector Insurance Brokers Contractors Pollution Liability (CPL) Insurance is essential for contractors whose operations may result in pollution-related exposures. Commercial Sector Insurance Brokers offers a flexible CPL program designed for agents and brokers seeking a market for contractors needing comprehensive pollution protection. With access to over 15 carriers and a deep understanding of complex environmental risks, we provide solutions tailored to your clients' specific needs. Ideal Accounts and Appetite This program is well-suited for a wide range of contracting professionals, including: General contractors and construction managers Environmental and remediation contractors HVAC, plumbing, and mechanical contractors Utility, pipeline, and excavation contractors Roofing, paving, and demolition contractors Accounts with known or potential exposure to pollutants—such as mold, asbestos, fuel spills, or chemical runoff—are ideal candidates. Whether your client handles hazardous materials directly or may encounter pollution risks during routine operations, this program can help address those exposures. Coverage Highlights and Advantages Our CPL policy is available on a claims-made or occurrence basis and provides third-party coverage for: Bodily injury and property damage arising from pollution events Legal defense costs related to pollution incidents Cleanup and remediation expenses Coverage applies to both sudden/accidental releases and gradual pollution conditions stemming from the contractor's operations—whether performed directly or by subcontractors. Tailored endorsements and higher limits may be available to meet more complex needs. Underwriting Notes and Minimum Premiums CPL policies through Commercial Sector Insurance Brokers typically start at a minimum premium of $5,000. We work with over 15 carriers, allowing us to match your submission with the right market based on your client’s industry, project scope, and pollution exposure. Strong submissions include detailed project descriptions, risk mitigation practices, and prior loss history when available. We welcome both new ventures and established contractors with proven safety records. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and GA. Coverage is offered on a non-admitted basis in some jurisdictions, depending on carrier availability and state regulations. We currently write in 48 states plus Washington, D.C. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines Broker, Commercial Sector Insurance Brokers brings specialized knowledge and market access to help you place complex environmental risks. Our team understands the nuances of pollution liability and works closely with you to deliver fast, competitive solutions. From small artisan contractors to large infrastructure projects, we provide the underwriting support and carrier access you need to serve your clients effectively. Whether you're placing a new account or looking for a better option on renewal, our CPL program offers the flexibility and protection your contractor clients need in today's regulatory environment. Frequently Asked Questions What types of accounts are a good fit for this Contractors Pollution Liability program?This program is ideal for general contractors, environmental contractors, utility and excavation firms, and any contractor with potential exposure to environmental liabilities during their operations. Is this policy available on an occurrence or claims-made basis?Yes, the CPL coverage can be written on either an occurrence or claims-made basis, depending on the client's needs and underwriting criteria. What is the minimum premium for this program?The minimum premium typically starts at $5,000, though actual pricing may vary based on the nature and size of the risk. What types of pollution events are covered?Coverage includes sudden and accidental pollution events as well as gradual pollution conditions resulting from contracting operations. In which states is this program available?This program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Coverage may be non-admitted in some states. Need help placing an account? Connect with a market specialist.

Environmental Insurance Solutions from A.I.I. Insurance Brokerage of MA Environmental exposures can pose significant risks for a wide range of businesses. A.I.I. Insurance Brokerage of MA offers access to specialized Environmental Insurance markets designed to help your clients manage pollution liability and other environmental concerns. As an Excess & Surplus Lines Broker, A.I.I. connects independent agents and brokers with competitive solutions from various carriers, primarily through non-admitted markets. Ideal Accounts and Appetite This program is a strong fit for commercial clients throughout Massachusetts, Maine, New Hampshire, and Rhode Island who are exposed to environmental risks. Target classes include: Contractors involved in demolition, excavation, or industrial cleaning Manufacturers and processors using or producing hazardous materials Waste management and recycling facilities Fuel storage, oil delivery, and related services Property owners with known or potential contamination issues Whether your client is applying for a permit that requires proof of Pollution Liability or needs coverage for environmental site remediation, A.I.I. can help you place the right policy. Coverage Highlights and Advantages Coverage options available through this program may include: Pollution General Liability Site-Specific Environmental Coverage Contractors Pollution Liability (CPL) Transportation Pollution Liability Environmental Professional Liability Policies can be tailored to meet the specific needs of your client’s operations, including coverage enhancements such as defense outside limits, completed operations, and sudden/gradual pollution events. Underwriting Notes and Minimum Premiums A.I.I. works with a variety of carriers to find appropriate coverage, with underwriting focused on the nature of operations, loss history, and regulatory compliance. Minimum premiums vary based on risk class, limits, and coverage scope. You might have a contractor client bidding on a municipal utility project that requires CPL coverage. Or a property investor looking to sell land with a history of fuel storage. These are the types of accounts A.I.I. can help you place efficiently. Territories and Availability This Environmental Insurance program is available in the following states: Massachusetts (MA) Maine (ME) New Hampshire (NH) Rhode Island (RI) Most markets offered are non-admitted, allowing for broader underwriting flexibility and customized terms. Why Work With A.I.I. Insurance Brokerage of MA? A.I.I. Insurance Brokerage of MA brings niche expertise and strong carrier relationships to help agents and brokers navigate complex environmental risks. As a trusted Excess & Surplus Lines Broker, A.I.I. is committed to responsive service, timely quoting, and helping you find competitive solutions for hard-to-place environmental exposures. Learn more about A.I.I. Insurance Brokerage of MA on their company profile. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?This program is ideal for contractors, manufacturers, property owners, and other businesses with exposure to environmental liabilities, such as pollution or site contamination. Is this coverage available on an admitted basis?Most markets offered through this program are non-admitted, allowing for greater flexibility in underwriting and policy terms. What territories does A.I.I. Insurance Brokerage of MA serve for this program?This Environmental Insurance program is available in Massachusetts, Maine, New Hampshire, and Rhode Island. Are there minimum premium requirements?Minimum premiums vary depending on the risk type, coverage limits, and other underwriting factors. Contact A.I.I. for specific details. Can this program cover transportation-related pollution exposures?Yes, Transportation Pollution Liability is one of the available coverage options through this program. Need help placing an account? Connect with a market specialist.

Available nationwide and to all target classes. Most standard GL policies exclude pollution liability coverage and so do most standard Property/BOPs. This is a great opportunity to pitch this as additional protection to many insureds. Here are some highlights of the program - Limits up to $ 5 Million General Aggregate Contractors Pollution Liability Coverage Part – Each Pollution Condition Mold Liability Coverage Park – Each Claim/Aggregate Limit Premium starting at just $500 Deductible starting at $1,000 All states All trades Contact us and you work with an underwriter immediately - no multiple layers to navigate. Turn-around time is less than 24 hours.

...for REO and foreclosure-related properties Operations involving waste dispos...on Liability for owned or operated properties Contractor Pollution Liability...

Overview — Legends Environmental Services: Recycling Insurance Program Legends Environmental Services offers a tailored Recycling Insurance Program for agents placing waste and recycling operations in small- to medium-sized communities. Working with carrier partners, Legends delivers competitively priced, flexible coverage with several broadened endorsements and enhancements crafted for recycling-specific exposures. Ideal accounts and appetite This program targets recycling and collection operations and related facilities that have straightforward recycling or transfer operations. Typical accounts include: Local curbside collection and transfer operations Recycling facilities handling scrap metal (no on-site processing), paper, plastic, glass, rubber, textiles, electronics, and automobiles Small- to mid-sized transfer stations and consolidation operations Accounts generally need to be operations-focused (collection, storage, transfer) rather than heavy processing or smelting. Risks involving large-scale processing, significant on-site dismantling, or high-hazard waste streams are typically outside the program’s appetite. Coverage highlights and advantages The program is designed to address the unique property, auto, GL and pollution exposures that recycling operations face. Key features include: Property Enhancement endorsement — increased debris removal limits and amendments/extensions to Business Personal Property. Commercial Liability Broadening endorsement — blanket additional insured status and primary/non-contributory wording when required by contract. Commercial Auto Broadening endorsement — higher limits for physical damage to hired autos and Lease Gap coverage. Broadened Pollution Liability for Covered Autos — covers sudden and accidental pollutant discharges from autos. Equipment breakdown coverage and MCS-90 endorsements available where required. Multiple coverage parts available: General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella. Underwriting notes and minimum premiums Minimum premium: $4,500 (program minimum; final terms depend on underwriting and state placement). Required submission materials: completed ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and drivers list with Motor Vehicle Records. Good risks typically show established safety programs, documented vehicle maintenance and driver screening, and clear separation of processing activities from storage/transfer. Territories and admitted positioning The Recycling Insurance Program is available in most states, excluding AK, CO, NV, LA, and NY. Legends places business through admitted and non-admitted markets as appropriate to meet client needs and to secure the specific broadenings required for recycling operations. Why place recycling business with Legends Environmental Services? Wholesale broker access to multiple carrier partners experienced in environmental and transportation exposures. Program wording designed specifically for recycling operations — not a general waste form retrofit. Flexible endorsements to satisfy contract requirements (blanket additional insured, primary/non-contributory, auto pollution extensions, lease gap). Dedicated submission checklist and underwriting focus that help speed placement for eligible risks. Example client scenarios You might have a municipality-operated transfer station seeking GL, auto, and pollution coverage with primary additional insured wording for contracted haulers. Or an independent scrap metal dealer (no processing) needing inland marine for stored inventory, broadened auto pollution coverage, and equipment breakdown protection. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Collection, transfer, and storage operations in small- to mid-sized communities are ideal — including scrap metal (no processing), electronics, paper, plastic, glass, rubber, textiles, and automobiles. High-hazard processing or large-scale dismantling operations usually do not fit. Which coverage parts can I place through this program?Legends can place General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella coverages with program-specific endorsements and broadenings. What minimum documents and information are required for submission?You will need ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and a drivers list with Motor Vehicle Records. Need help placing an account? Connect with a market specialist.

Philadelphia's Storage Tank Environmental Policy (STEP) UCPM Environmental Insurance offers the Storage Tank Environmental Policy (STEP) through Philadelphia Insurance Companies to help agents and brokers place pollution liability coverage for storage tank exposures. This specialized policy is designed to protect insureds against claims arising from the confirmed release of contaminants from both aboveground and underground storage tanks. Coverage includes bodily injury, property damage, and remediation expenses stemming from environmental pollution incidents. The STEP program can also fulfill federal and state storage tank financial responsibility requirements, making it a valuable solution for tank owners and operators needing compliance coverage. Whether your client operates a gas station, commercial facility, or industrial site with tanks in use, this program offers tailored protection backed by an A++ rated carrier. How to Get a Quote Get an Instant Online Quote or Send a completed storage tank application to [email protected] Program Information Coverage Limits Minimum limit of $1M, with options available up to $2M Premium Minimum premium starts at $300 per tank Deductible Minimum deductible of $5,000; options available up to $25,000 Eligible Tank Age Underground tanks must be 30 years old or less Aboveground tanks must be 40 years old or less Carrier Tokio Marine Specialty Insurance Company (A.M. Best Rating A++ XV) – Non-Admitted Ideal Accounts and Appetite This program is ideal for insureds that own or operate regulated storage tanks and are seeking pollution liability protection. Common risks include: Gas stations and convenience stores Commercial fleet fueling facilities Manufacturing or industrial sites with chemical or fuel storage Municipalities, school districts, and utility providers You might have a client who owns a small fleet fueling site or an auto dealership with underground tanks — this program offers a fast and competitive option for meeting regulatory obligations and insuring against costly environmental exposures. Availability and Market Access UCPM offers access to more than 25 markets for environmental risks, with availability for this program in nearly all U.S. states including CA, TX, FL, NY, PA, and others. Some admitted markets are available; however, coverage is typically placed on a non-admitted basis through Tokio Marine Specialty. Why Work with UCPM As a leading wholesale broker specializing in environmental insurance, UCPM brings deep market knowledge and long-standing carrier relationships to help agents place complex pollution liability risks. With 25+ environmental markets and fast online quoting capabilities, UCPM simplifies the process of securing coverage for aboveground and underground storage tanks. Their underwriting team is responsive, knowledgeable, and ready to help you succeed in placing environmental risks. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with regulated underground or aboveground storage tanks, such as gas stations, commercial fuel depots, and municipal facilities, are ideal candidates. Can this policy satisfy state or federal financial responsibility requirements?Yes, the STEP policy can be used to meet financial responsibility requirements for storage tank owners and operators. What is the minimum premium for this program?The minimum premium starts at $300 per tank, depending on underwriting factors such as tank age and location. Are both aboveground and underground tanks eligible?Yes, provided underground tanks are 30 years old or less and aboveground tanks are 40 years old or less. Is coverage available in my state?Coverage is available in most states across the U.S. Check with UCPM for specific state eligibility and market availability. Need help placing an account? Connect with a market specialist.

IPMG (Insurance Program Managers Group) offers a specialized Pest Control Insurance program designed to meet the needs of pest control operators across a range of exposures. As a Managing General Underwriter and Excess & Surplus Lines Broker, IPMG provides access to top-rated markets, including Markel, with most available markets on a non-admitted basis. This program is ideal for independent agents and brokers seeking a reliable solution for their pest control clients in Illinois, Missouri, Iowa, Indiana, and Florida. Ideal Accounts and Appetite IPMG’s Pest Control Insurance program is tailored for professional pest management companies that perform services such as termite control, rodent removal, insect treatment, and weed abatement. Whether your client handles residential, commercial, or industrial accounts, this program is structured to address the unique risks faced by pest control operators who may be working with chemicals, working at heights, or entering client property on a daily basis. Coverage Highlights and Advantages The program offers a comprehensive suite of coverages that address core liability and property exposures, as well as industry-specific risks: General Liability Property Commercial Auto Excess Liability Care, Custody and Control Herbicide/Pesticide Application Job Site Pollution – up to policy limits Transit Pollution – up to policy limits Limited Mold Coverage These coverages are designed to help protect pest control operations from claims related to chemical exposure, environmental damage, and property damage during service calls. For example, if you have a client who applies pesticides in residential neighborhoods or manages termite treatments for commercial buildings, this program offers the specialized protection they need. Underwriting Notes and Minimum Premiums IPMG works with qualified, licensed pest control businesses and has a flexible underwriting approach that supports both small and midsize operations. With a low minimum premium, this program is suitable for a wide range of accounts, from new ventures to well-established operators. The underwriting team is responsive and experienced in evaluating environmental and operational exposures unique to this industry. Territories and Availability This program is currently available in: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) With strong carrier partnerships in these regions, IPMG is well positioned to help you place business efficiently and competitively. Why Work With IPMG? IPMG brings specialized knowledge and dedicated support to the pest control insurance space. As a Managing General Underwriter and Surplus Lines expert, the firm offers direct access to programs that address tough-to-place risks with custom coverage options. You'll benefit from knowledgeable underwriters and regional contacts who understand the regulatory landscape and operational realities of pest control businesses. Matt Becker (IL) Surplus Lines Practice Leader (630) 485-5952 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Barbara Commings (FL) Florida Branch Manager (855) 377-4764 ext. 5222 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed pest control companies performing residential, commercial, or industrial services such as termite control, insect treatments, or pesticide application. Is this program admitted or non-admitted?The program is available through most non-admitted markets, offering flexibility in coverage and underwriting for unique or higher-risk accounts. What is the minimum premium for this program?The program has a low minimum premium, making it accessible for small and mid-sized pest control businesses, including start-ups and established operations. What coverages are included in the Pest Control Insurance program?Available coverages include General Liability, Property, Commercial Auto, Excess Liability, Pollution (job site and transit), Limited Mold, and Herbicide/Pesticide Application coverage. Which states is this program available in?This program is available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.

Description Commercial Property program that offers building coverage along with business personal property. Documents Needed to Quote: - Acord 125 - Acord 140 Coverages Coverage will include the following: - 90% coinsurance - Special Form - Business Interruption included - Theft Sublimit $25k can be added (Central Station Alarm required) Exclusions Exclusions include the following: - Liability is not included - Earthquake/Flood Eligible Property • Offices • Retail • Mixed use LRO • Educational • Medical Facilities • Warehouses (Low Hazard Occupancy) • Condominiums • Government Buildings • Distribution • Light Manufacturing Excluded Property • Mid-Heavy Manufacturing • Hotels/Motels • Restaurants • Apartments • Any Risks PC 7 or greater • Any risk built prior to 1970 unless fully upgraded within the last 20 years.

Commercial Sector Insurance Brokers Specializing in Railroad Insurance Solutions Overview of the Railroad Insurance Program Commercial Sector Insurance Brokers offers a specialized Railroad Insurance program tailored to help independent agents and brokers meet the complex needs of their transportation clients. With access to multiple "A" rated carriers and deep underwriting experience, we support you in securing comprehensive coverage for a wide range of railroad-related risks. Whether your client operates a passenger transit system or supplies railcar equipment, we help you place coverage that fits. Ideal Accounts and Appetite Our program is designed to accommodate a diverse group of railroad-related operations. We work with: Passenger, transit, commuter, and light rail systems Scenic, tourist, and excursion railroads Railroad equipment owned by non-railroad companies Railroad service providers and suppliers Track owners needing general liability coverage Contractors performing work on or near railroads If you have a client such as a regional tourist railway operator or a contractor servicing rail lines, this program may be an excellent fit. Coverage Highlights and Advantages We offer a wide array of coverage options to help your clients manage their most pressing liability and property exposures: General Liability (including railroad-specific exposures) Auto Liability and Physical Damage Railroad Equipment Coverage Excess Railroad Liability Contingent Railcar and Locomotive coverage Coverage for Leased Railroad Equipment Pollution Liability Workers' Compensation Our wholesale expertise ensures you have access to tailored insurance solutions, even for hard-to-place risks. Underwriting Notes and Minimum Premiums We offer flexible underwriting backed by experienced professionals who understand the railroad sector. Our minimum premium starts at $5,000, making this program suitable for both mid-sized and larger accounts. Submissions should include relevant operational details, loss history, and risk control practices for faster turnaround. Territories and Availability This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, and WY. Availability may vary by specific coverage and class of business. Some coverages are offered on an admitted basis in select states. Why Work With Commercial Sector Insurance Brokers As a wholesale broker with access to more than seven top-rated carriers, Commercial Sector Insurance Brokers delivers unmatched support for agents and brokers placing railroad business. We understand the regulatory, operational, and environmental risks unique to the industry and can help you find the right products for your clients' needs. From quoting to policy delivery, we work closely with you every step of the way. Please call today for more information. Frequently Asked Questions What types of accounts are a good fit for this Railroad Insurance program?This program is ideal for passenger transit systems, tourist railroads, contractors working near railways, equipment lessors, and railroad service providers. Is this coverage available on an admitted basis?Some coverages are available on an admitted basis in select states. Availability may vary by class of business and location. What is the minimum premium for this program?The minimum premium starts at $5,000, making it suitable for mid-sized and larger railroad-related operations. Do you work directly with retail agents?Yes, Commercial Sector Insurance Brokers works closely with retail agents and brokers to help them place this specialized coverage. Which states is this program available in?This program is available in most states across the U.S., including CA, TX, NY, FL, and many others. Please contact us for specific state availability. Need help placing an account? Connect with a market specialist.