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Legends Environmental Services offers a robust Contractors Pollution Insurance policy designed for contractors who face pollution exposures during construction, maintenance, demolition, abatement and emergency response work. This program provides broad third-party coverage for bodily injury, property damage and environmental impairment claims — including cleanup and response costs both on and off the work site — where Commercial General Liability often provides limited or no recovery for pollution-related losses. Target Classes General Contractors Construction Managers Street and Road Contractors Maintenance Contractors Electrical Contractors Mechanical Contractors Demolition Contractors Environmental Contractors Aboveground and Underground Storage Tank Contractors Site Restoration and Cleanup Contractors Response Action/Emergency Spill Response Contractors Transformer/PCB Contractors Trade Contractors HVAC Contractors Industrial Contractors Overview — Program from Legends Environmental Services As a Brokerage General Agency, Legends Environmental Services places Contractors Pollution accounts with multiple markets to give agents access to broader environmental coverage than typical CGL endorsements. The program targets contractors with known pollutant-handling or disturbance exposures and can be structured for both project-specific and annual operations exposures. Coverage is underwritten to address third-party liability and remediation/cleanup costs arising from sudden and accidental releases as well as certain non-sudden conditions, depending on underwriting and market selection. Coverage Highlights and Advantages Broad third-party pollution liability for bodily injury, property damage and environmental impairment. Coverage for on-site and off-site impacts and related cleanup costs where available by market. Project-specific and annual policies available depending on scope and exposure. Ability to access multiple carriers and markets to fit uncommon or higher-risk operations. Companion products available for abatement and asbestos/lead exposures to provide broader risk management solutions. Ideal Accounts and Appetite You should consider this program for contractors that disturb, handle, remove or transport regulated materials or operate where spills, leaks or contamination are realistic exposures. Typical good fits include: Contractors performing tank removal, replacement or remediation. Demolition and renovation firms that may encounter asbestos, lead or other contaminants. Environmental remediation and emergency spill response contractors. Electrical/transformer contractors working with PCBs or oil-filled equipment. Accounts that typically require more focused review include long-term landfill work, sites with known legacy contamination without an effective remediation plan, or operations with persistent off-site migration risk. Contact us early on those exposures — we can often find market solutions or define reasonable restrictions. Underwriting Notes and Minimum Premium Standard submissions should include a completed CPO application. For project work, supply job specifications, background engineering reports and product descriptions. Legends Environmental Services places most accounts through multiple available markets (admitted and non-admitted where appropriate), so underwriting will consider the nature of the work, pollution controls in place, historical loss activity and client risk management practices. Minimum premium: $1,500. Please note that availability and specific terms vary by market and state. Companion Products Asbestos/Lead Liability Insurance Products Contractors Abatement Liability Abatement Umbrella Submission Requirements Completed CPO application For projects: job specifications, engineering background and product descriptions *Receive a $25 Visa Gift Card with every Contractors Pollution Policy that is Bound* Now offering 12 1/2 % Commission* Territories and Availability Legends Environmental Services places Contractors Pollution coverage across most U.S. states and the District of Columbia. Availability and admitted status depend on the carrier selected — this program accesses multiple markets to match risk and regulatory needs. States served include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Work With Legends Environmental Services As a brokerage general agency focused on environmental and contractors pollution risks, Legends Environmental Services brings underwriting relationships across multiple carriers and specialized knowledge of contractor exposures. We work with agents to structure project or annual programs, coordinate companion abatement products when needed, and guide submissions to the most appropriate markets to secure competitive terms. If you have a client with pollution exposure that needs dedicated coverage beyond standard CGL, this program is built to help you place that business. Give me a call for more information about our Contractors Pollution Insurance program or any other products we offer. Frequently Asked Questions What types of accounts are a good fit for this Contractors Pollution program?Contractors who disturb, remove or handle regulated materials — such as tank work, demolition/abatement, remediation, transformer work or emergency spill response — are good candidates. The program is designed for project-specific and annual contractor operations with measurable pollution exposures. What do you need to submit to get a quote?Provide a completed CPO application. For project work include job specifications, engineering/background reports and product descriptions. The more detail you can provide about controls, waste handling and emergency response procedures, the faster we can place the risk. Are policies admitted in all states and which territories do you serve?Legends Environmental Services places coverage in most states and D.C.; admitted vs. non-admitted placement depends on the carrier and state. We will recommend the appropriate market based on the account and regulatory requirements. Is there a minimum premium or special underwriting concerns I should know about?The program generally has a minimum premium of $1,500. Underwriters will review the scope of work, historical losses, pollutant types, and controls in place. Accounts with known legacy contamination or ongoing off-site migration require early discussion to determine market appetite. Need help placing an account? Connect with a market specialist.

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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.

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 focused Pest Control Insurance program designed to help agents place professional pest-management accounts 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 capacity available on a non-admitted basis. This program is positioned for independent agents and brokers seeking dependable coverage solutions for pest control clients in Illinois, Missouri, Iowa, Indiana, and Florida. Ideal Accounts and Appetite IPMG’s Pest Control Insurance program targets licensed pest management firms that perform termite control, rodent removal, insect treatments, herbicide/pesticide applications, and weed abatement. The program accommodates residential, commercial, and light industrial operations—especially businesses that handle chemicals, perform treatments at heights, or regularly enter customer property. Coverage Highlights and Advantages The program bundles core liability and property protections with industry-specific coverages designed for pest control exposures: General Liability Property Commercial Auto Excess Liability Care, Custody and Control Herbicide/Pesticide Application coverage Job Site Pollution — up to policy limits Transit Pollution — up to policy limits Limited Mold Coverage These coverages help protect operations from claims tied to chemical exposure, accidental environmental damage, and property damage during service calls. For example, a commercial property manager seeking protection for routine termite treatments or a residential operator applying pesticides in neighborhoods would benefit from the program’s pollution and pesticide-application features. Underwriting Notes and Minimum Premiums IPMG underwrites qualified, licensed pest control businesses with a flexible approach that supports both small start-ups and established midsize companies. The program carries a low minimum premium, making it accessible for a broad range of accounts. Underwriters review environmental controls, chemical-handling procedures, employee training, and vehicle operations when assessing risk. Territories and Availability This program is currently available in: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) IPMG places many accounts through non-admitted markets, which provides underwriting flexibility for higher-risk or unique operations while maintaining access to admitted carriers where appropriate. Markel is among the carriers accessible through this program. Why Work With IPMG? IPMG combines program-specific underwriting expertise with surplus lines placement capabilities. Agents gain direct access to experienced underwriters and regional contacts who understand the operational and regulatory realities of pest control businesses. The firm’s focus on environmental and pollution exposures, plus its relationships with carriers like Markel, helps agents place accounts that might be difficult in standard markets. 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?Licensed pest control firms providing residential, commercial, or light industrial services—such as termite control, insect treatments, rodent removal, and pesticide application—are a strong fit. Is this program admitted or non-admitted?IPMG places business through several markets; most capacity is available on a non-admitted basis, which allows more flexible underwriting for specialized or higher-risk accounts. What is the minimum premium for this program?The program offers a low minimum premium, making it practical for small and mid-sized operators, including start-ups and growing companies. 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, Care/Custody & Control, 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.

Overview — AI Risk Education Program AI Risk offers a focused Education program designed for independent agents and brokers placing private K–12 schools and private colleges/universities with up to 10,000 students. The program provides broad campus protection through packaged property and casualty options with AIG capacity, including primary commercial general liability, lead umbrella, and specialty coverages that schools often require. Ideal Accounts and Appetite This program is targeted toward private educational institutions where the sponsor or operator wants consolidated coverages under one program. Typical fits include: Private kindergarten through 12th grade schools (day schools and small boarding schools). Private colleges and universities with total enrollment of 10,000 students or fewer. Campuses and facilities with school-owned student housing, athletic facilities, and administrative buildings. Accounts with significant on-campus research hazards, high-hazard operations, or very large student populations may be outside the appetite. Contact AI Risk underwriting for borderline or complex exposures. Coverage Highlights and Advantages Property coverage for buildings, contents and business interruption tailored to campus operations. Inland marine and valuable papers & records coverage to protect student and institutional records. Machinery and equipment breakdown to cover HVAC, boilers and campus mechanical systems. Crime coverage for employee dishonesty, theft and funds transfer exposures. Primary commercial general liability with optional lead umbrella capacity through AIG. Incidental medical malpractice — useful for on-campus clinics, athletic trainers, and health services. Abuse & molestation coverage — available as part of the program to address one of the most sensitive campus exposures. Limited pollution coverage for accidental releases from heating systems, maintenance operations or student housing. Underwriting Notes Underwriters will evaluate campus exposures, historical claims, risk management practices, and student population size when considering submissions. Common submission items that help speed placement include: Current ACORD applications and a detailed description of campus operations. Five years of loss runs and explanation of any large or recurring claims. Property schedule with values by building and construction and protection details (sprinklers, fire alarms). Policies and procedures for background checks, child protection, campus safety and incident reporting. If minimum premium requirements apply they will be provided by AI Risk during the quoting process. Territories and Availability The AI Risk Education program is available in the following jurisdictions: 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 Place This Business With AI Risk AI Risk combines program-focused underwriting with AIG capacity to deliver broad, school-specific solutions. For agents, that means: Single-source quoting for multiple campus coverages. Access to umbrella capacity and specialty coverages like abuse & molestation and incidental med-mal. Underwriters experienced with educational exposures who can work with you on risk improvement recommendations and tailored terms. Example Account Scenarios A 600-student private K–12 independent school seeking property, liability and abuse coverage for on-campus after-school programs and a small health clinic. This account fits the program’s typical appetite. A private liberal arts college with 3,200 enrolled students requesting property, student housing liability, limited pollution and equipment breakdown coverage for campus mechanical systems. AI Risk can package these coverages with AIG umbrella capacity. If you represent schools or campuses that match the size and exposures above, AI Risk’s Education program is positioned to provide competitive, consolidated protection with underwriting that understands the unique risks of educational institutions. Frequently Asked Questions What types of educational institutions are a good fit for this program?The program is designed for private K–12 schools and private colleges/universities with enrollment up to 10,000 students. It is best for campuses seeking packaged property and casualty coverage, including student housing and on-campus services. Which coverages are included or available through the program?Core offerings include property, inland marine, machinery and equipment breakdown, valuable papers and records, crime, primary commercial general liability, lead umbrella capacity, incidental medical malpractice, abuse & molestation, and limited pollution coverage. What underwriting information should I submit to get a quick review?Provide completed applications, property schedules, five years of loss runs, descriptions of campus operations (including student housing and clinics), and documentation of safety or child protection policies. These items help underwriters assess risk and accelerate quotation. Is this program available nationwide?The program is available in the states listed above. Availability may vary by state and by specific coverage line; submit accounts for state-by-state confirmation. Who provides the insurance capacity for the program?AI Risk places this Education program with capacity from AIG, combined with AI Risk’s program underwriting and administration to deliver campus-focused solutions. Need help placing an account? Connect with a market specialist.

Commercial Sector Insurance Brokers is a national wholesale broker with over 100 years of combined expertise in the Mining Insurance sector. We specialize in placing coverage for above- and below-ground mining operations across the United States, including Alaska. Whether your clients are involved in coal mining, precious metal and mineral extraction, or aggregate operations, we have the experience and market access to help you place complex mining accounts with confidence. Overview of the Mining Insurance Program We understand that the mining industry is highly specialized and comes with significant operational and environmental exposures. Our dedicated Mining Insurance program is built to address these risks with tailored coverage solutions. From highwall mining operations to continuous miner accounts, we can handle a wide range of mining-related risks. We also have the ability to structure layered quota share policies for larger inland marine schedules. Ideal Accounts and Appetite Our program is designed for a broad range of mining-related risks, including: Coal mining operations Precious metals and mineral mining Aggregate and stone quarry operations Mining consultants and contractor labor accounts Manufacturers and distributors of mining equipment (Products Liability) If you have clients involved in specialized or high-risk mining operations, including those in remote or hard-to-place regions like Alaska or the Appalachian region, we may have the market solutions you need. Coverage Highlights and Advantages Our Mining Insurance program offers a comprehensive suite of coverages, with flexibility to tailor policies based on your clients’ specific exposures: • General Liability • Umbrella • Excess Liability • Higher Layered Excess • Auto Coverage • Property Insurance • Workers Compensation • Pollution Liability • Inland Marine We can support more complex placements, including layered excess structures and large inland marine schedules, giving you more options to serve larger or more specialized clients. Underwriting Notes and Minimum Premiums We work closely with agents and brokers to understand the full scope of your client’s operations. While minimum premium requirements may vary based on the size and complexity of the account, our underwriting team is equipped to evaluate both standard and complex risks with flexibility. Please contact us directly to discuss specific submissions and appetite. Territories and Availability Our Mining Insurance program is available in all 50 states, including the District of Columbia. Whether your client operates in a traditional mining state like West Virginia or a unique territory like Alaska, we have the geographic reach and carrier relationships to help you place the business. Why Work With Commercial Sector Insurance Brokers? Mining is a high-risk, detail-intensive industry — and it takes a true specialist to navigate the nuances of insuring it. At Commercial Sector Insurance Brokers, we bring decades of niche experience, strong market relationships, and a proactive approach to supporting our retail partners. We don’t just place policies — we help you deliver complete protection for your clients, backed by service and market access you can rely on. Frequently Asked Questions What types of accounts are a good fit for this Mining Insurance program?We are a strong fit for coal, mineral, and aggregate mining operations, as well as mining consultants, contractor labor accounts, and manufacturers or distributors of mining equipment. Can you help with hard-to-place or high-risk mining operations?Yes, we specialize in complex and high-risk mining accounts, including highwall mining and continuous miner operations. We can also structure layered excess and inland marine solutions for larger risks. Is this program available nationwide?Yes, our Mining Insurance program is available in all 50 states, including Alaska and the District of Columbia. Do you have markets for pollution liability and inland marine?Yes, we offer both pollution liability and inland marine coverage as part of our comprehensive Mining Insurance offering. What types of mining equipment risks can you cover?We can place products liability coverage for manufacturers and distributors of mining equipment, supporting you in protecting these specialized operations. Need help placing an account? Connect with a market specialist.

Fuel Dealers/Haulers Insurance Program from Continental Risk / Continental Marine Insurance Services The Fuel Dealers/Haulers Insurance Program offered by Continental Risk / Continental Marine Insurance Services delivers tailored property and liability coverage for a broad range of fuel-related operations. Designed specifically for wholesale and retail fuel dealers, haulers, and distributors, this program helps agents secure the right coverage for clients with complex pollution and transportation exposures. Ideal Accounts and Appetite Continental Risk is actively seeking fuel-related accounts of all sizes across a wide spectrum of operations, including: Wholesale and retail gas and diesel distributors Liquid propane (LP) dealers Home heating fuel providers Bulk oil sales operations Convenience stores with fuel operations HVAC businesses with fuel distribution capabilities Whether your client is a small regional heating oil supplier or a multi-location fuel distributor, the program can be customized to meet a variety of risk profiles. Coverage Highlights and Advantages This program offers flexible package policies that include high sub-limits and optional enhancements to address key industry exposures. Highlights include: $50,000 Pollution Coverage at or from qualified above-ground tanks $50,000 Surface Water Contamination for gas and oil spills $50,000 Terminal Access Card Coverage to protect against unauthorized use Contamination and Erroneous Delivery coverage with $50,000 sub-limits Liquor Liability included under the umbrella policy Umbrella Capacity up to $10 million Full Pollution Coverage available for above and below ground tanks The program is backed by an A++ (Superior) rated carrier with a national footprint, ensuring financial strength and claims reliability. Underwriting Notes and Minimum Premiums Minimum premium varies based on risk characteristics, operations, and coverage needs. The program is designed to be cost-effective, with high built-in sub-limits that reduce the need for excess premium charges. Coverage can be tailored to each client’s specific operations, making it a fit for both standard and hard-to-place accounts. Territories and Availability This 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, and WY. Admitted and non-admitted options are available in most markets, depending on the state and risk profile. Why Work with Continental Risk / Continental Marine Insurance Services As a trusted Excess & Surplus Lines Broker, Continental Risk brings deep expertise in the fuel distribution and hauling sectors. Their focus on underwriting complex fuel-related risks and access to A-rated carriers allows agents to confidently place accounts with unique environmental and operational exposures. Responsive service, flexible terms, and industry-specific enhancements make this program a go-to solution for agents seeking reliable markets for fuel dealers and haulers. Visit the Fuel Dealers/Haulers storefront to learn more or begin a submission. Frequently Asked Questions What types of accounts are a good fit for the Fuel Dealers/Haulers program?This program is ideal for wholesale or retail fuel distributors, propane dealers, home heating fuel providers, and operations with fuel-hauling exposures, including convenience stores and HVAC companies with fuel services. What coverage limits are available for pollution-related exposures?The program offers high sub-limits such as $50,000 for pollution at/from qualified above-ground tanks and surface water contamination, with full pollution coverage also available. Is the program available nationwide?Yes, the program is available in most states. Continental Risk has a broad underwriting reach across the U.S., including both admitted and non-admitted markets depending on the state and risk type. Can the coverage be tailored for unique risks?Yes, coverage enhancements can be customized to fit the specific needs of each client, including optional umbrella limits and specialized sub-limits for common industry exposures. What carrier backs this program?The Fuel Dealers/Haulers program is backed by an A++ (Superior) rated carrier with national capabilities, ensuring strong financial stability and claims handling support. 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.

Architects and Engineers engage in a broad range of disciplines that vary significantly from project to project. From structural design to environmental planning, each engagement brings unique professional liability risks. Whether it's potential bodily injury, property damage, or environmental exposures like pollution, your clients need comprehensive protection tailored to their profession. Capitol Special Risks offers a versatile Architects and Engineers Professional Liability Insurance program designed to meet these challenges head-on. This program is available in all 50 states and is written on a non-admitted basis through multiple trusted carriers. Ideal Accounts and Appetite Capitol Special Risks is positioned to help you place a wide range of architect and engineering accounts, from solo practitioners to mid-sized firms engaged in commercial, residential, or public projects. Ideal risks include: Architectural design firms handling commercial construction Civil and structural engineers involved in infrastructure projects Environmental engineers with potential pollution exposures Firms providing software or digital tools as part of their services Hard-to-place or non-standard risks are welcome, including firms with prior claims or those working on high-risk projects. Whether your client is designing bridges or creating construction software, this program offers a flexible and competitive solution. Coverage Highlights and Advantages Capitol Special Risks’ A&E Professional Liability program features broad and customizable coverage, including: Personal and Advertising Injury, including consequential bodily injury Pollution Conditions coverage Consent to Settle Clause (soft hammer at 50%) Coverage for software sold or supplied by the insured Punitive damages coverage where allowed by law Coverage extended to independent contractors, leased, and temporary employees Insured person includes spouse and domestic partner Full severability of all exclusions Worldwide coverage Mutual selection of claim counsel Self-insured retention reduced by 50% (up to $25,000) when mediation is used Discovery clause for reporting circumstances 45-day coverage for newly merged or acquired entities Blanket waiver of subrogation Blanket additional insured for pollution conditions Specific client or project excess limits available These features are designed to meet the evolving professional risk landscape of A&E firms. Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, services provided, revenue, and claims history. Capitol Special Risks works closely with agents to provide fast turnaround and tailored quotes for each submission. This program is especially suited for agents who need a flexible, responsive market with experience in non-admitted placements and complex risks. Territories and Availability This Architects and Engineers Professional Liability program is available in all 50 states, including DC. As a non-admitted solution, it offers greater flexibility in coverage terms and underwriting for unique or high-risk accounts. Why Work With Capitol Special Risks As a leading wholesale broker with extensive experience in professional liability, Capitol Special Risks is a trusted partner for independent agents nationwide. With access to multiple carriers, a deep understanding of the A&E space, and no broker fees, they offer a competitive edge in placing complex risks. Fast turnaround, underwriting support, and flexible solutions make Capitol Special Risks an excellent choice for brokers looking to grow their architecture and engineering book of business. Contact us today for your Architect and Engineers Professional Liability Insurance needs! Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include architectural firms, civil and structural engineers, environmental consultants, and design professionals involved with commercial, infrastructure, or public projects. Is this program available in all states?Yes, the Architects and Engineers Professional Liability Insurance program is available in all 50 states on a non-admitted basis. Can this program cover pollution or environmental exposures?Yes, the program includes coverage for pollution conditions, making it suitable for environmental engineers and other professionals with similar exposures. Are independent contractors or temporary employees covered?Yes, the policy extends coverage to independent contractors, leased, and temporary employees when working on behalf of the insured, as well as spouses and domestic partners. Does Capitol Special Risks charge a broker fee?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.