• Contractors Pollution Liability
• Professional Liability
• Premises Pollution Liability
• Products Pollution Liability
• Commercial General Liability
• Business Auto Coverage
• Excess Follow Form Liability

The coverage summaries below provide an overview for informational purposes only and do not include specific policy terms and conditions. Coverage offers are subject to individual underwriting to determine specific enhancements or exclusions that may apply.

Click here for applications or contact information.

Contractors Pollution Liability

Coverage Highlights

• Bodily injury liability, property damage liability and clean-up costs for a pollution condition arising from the insured’s operations and resulting in a claim.
• Covers work performed by or on behalf of the Named Insured (work by subcontractors)
• Occurrence or claims-made coverage; non-admitted paper in 49 states (admitted in MN)
• Practice and/or project policies available
• Available as a stand alone product, or in combination with other coverages
• Limits up to $25,000,000
• $2,500 minimum policy premium

Preferred Risks

• Environmental contractors performing services at jobsites owned by others, including services such as:
  • Remediation or abatement of pollutants
  • Removal, excavation, containment, treatment or neutralization of pollutants
  • Installation, removal or cleaning of above ground or underground tanks
  • Clean up and restoration of storm or fire damaged premises
  • Installation or maintenance of testing, monitoring or similar equipment
  • Construction or operation of landfills, recycling facilities, or other waste facilities
• Environmental consultants with hands-on field operations
• Contractors performing services at jobsites owned by others whose services are non-environmental in nature. These contractors can expose or create a pollution condition in the course of performing their normal services. Eligible contractors include:
  • Carpentry, electrical, masonry, painting and other trade contractors
  • Drilling, excavation, grading, fencing and other specialty contractors
  • Most other contractor or professional service firms

Common Enhancements

• Blanket additional insured when required by contract
• Blanket transfer of rights of recovery when required by contract
• Mold
• Transportation pollution coverage

Professional Liability

Coverage Highlights

• Claims seeking damages arising from an act, error or omission in the rendering or failure to render professional services
• Broad definition of professional services performed by or on behalf of the named insured
• Claims-made coverage; non-admitted paper in 49 states; admitted in MN
• Available for practices and/or projects in conjunction with environmental coverages
• Limits up to $25,000,000
• $2,500 minimum policy premium

Preferred Risks

• Environmental consultants performing professional services such as:
  • Testing, monitoring or conducting remedial feasibility studies of pollutants
  • Design of systems, protocols or remedial action programs for the remediation or abatement of pollutants
  • Phase I, Phase II or Phase III assessments or remedial investigations
  • Storage tank and pipe integrity testing
  • Laboratory analysis of pollutants
  • Project management of remediation activities
  • Environmental compliance, permitting, training or safety consulting services
• General Contractors, Construction Managers or Specialty Contractors performing services that are non-environmental in nature and whose staff are involved with related professional exposures, such as:
  • Review of plans to identify modifications that must be made during construction
  • “Field modifications” to plans
  • Project management, including hiring, scheduling and sequencing exposures
  • Poor project, contractor or subcontractor selection

Common Enhancements

• Mold

Premises Pollution Liability

Coverage Highlights

• Third party claims arising from pollution conditions at, on under or migrating from covered locations for:
  • Bodily injury liability
  • Property damage liability
  • Cleanup costs - offsite and onsite
• First party onsite cleanup costs arising from pollution conditions at, on or under covered locations.
• Natural resource damages
• Contingent transportation pollution coverage
• Annual or multi-year policies available
• Multiple locations may be included for coverage on one policy
• Claims-made coverage; non-admitted paper in 49 states; admitted in MN
• Available as a stand alone product, or in combination with other coverages
• Limits up to $25,000,000
• $3,000 minimum policy premium

Preferred Risks

• Environmental facilities such as:
  • Landfills, waste transfer and waste recycling facilities
  • Other hazardous or non-hazardous treatment, storage and disposal facilities
  • Wastewater plants
  • Bio-fuel facilities
• Manufacturers
• Industrial plants
• Commercial properties, including properties under construction
• Governmental entities
• Agricultural properties
• Any risk with above ground or underground storage tanks

Common Enhancements

• Transportation pollution coverage (owned vehicles)
• Known conditions
• Non-owned disposal sites

Products Pollution Liability

Coverage Highlights

• Third party claims as a result of pollution conditions arising from the insured’s product for:
  • Bodily injury liability
  • Property damage liability
  • Cleanup costs
• Claims-made or occurrence coverage; non-admitted paper in 49 states; admitted in MN
• Available as a stand alone product, or in combination with other coverages
• Available in a combined policy with other coverages, including general liability, contractors pollution liability, premises pollution liability, professional liability
• Limits up to $5,000,000
• $10,000 minimum policy premium

Preferred Risks

• Products that carry, contain, measure, move or otherwise process pollutants such as:
  • Drums, Tanks, Pipes, Tubing
  • Pumps, Valves, Compressors or Other Machinery or Equipment
• Instruments or gauges
• Non-mechanical products (such as sorbent materials)
• Certain types of chemicals or batch goods

Common Enhancements

• Additional Insured - Vendor
• Transfer of Rights of Recovery

Commercial General Liability

Coverage Highlights

• Bodily injury and property damage liability – ISO 10-01 coverage form
• Covers work performed by or on behalf of the named insured (work by subcontractors)
• Occurrence or claims-made coverage; non-admitted paper in 49 states; admitted in MN
• Available to environmental contractor, consulting and facility accounts in conjunction with environmental coverages
• Limits up to $25,000,000
• $2,500 minimum policy premium

Preferred Risks

• Environmental contractors performing services at jobsites owned by others, including services such as:
  • Remediation or abatement of pollutants
  • Removal, excavation, containment, treatment or neutralization of pollutants
  • Installation, removal or cleaning of above ground or underground tanks
  • Clean up and restoration of storm or fire damaged premises
  • Installation or maintenance of testing, monitoring or similar equipment
  • Construction or operation of landfills, recycling facilities, or other waste facilities
• Environmental consultants
• Environmental facilities such as:
  • Landfills, waste transfer and waste recycling facilities
  • Other hazardous or non-hazardous treatment, storage and disposal facilities
  • Wastewater plants
  • Bio-fuel facilities

Common Enhancements

• Blanket additional insured when required by contract
• Blanket transfer of rights of recovery when required by contract

Business Auto Coverage

Coverage Highlights

• Liability, Statutory (PIP, UM), Physical Damage and other common or state-specific auto coverages
• Pollution coverage automatically included (CA9948 or equivalent); MCS 90, Form E and other filings as required
• Admitted paper; annual policy term
• Available in 49 states (not available in MA)
• Available to environmental contractor, consulting and facility accounts in support of general liability and environmental coverages (not available to long haul/hazmat transporters or refuse/garbage haulers)
• Limits up to $5,000,000
• Minimum two or more power units

Preferred Risks

• Environmental contractors performing services at jobsites owned by others, including services such as:
  • Remediation or abatement of pollutants
  • Removal, excavation, containment, treatment or neutralization of pollutants
  • Installation, removal or cleaning of above ground or underground tanks
  • Clean up and restoration of storm or fire damaged premises
  • Installation or maintenance of testing, monitoring or similar equipment
  • Construction or operation of landfills, recycling facilities, or other waste facilities
• Environmental consultants
• Environmental facilities such as:
  • Waste transfer and waste recycling facilities
  • Other hazardous or non-hazardous treatment, storage and disposal facilities
  • Wastewater plants
  • Bio-fuel facilities

Common Enhancements

• Blanket additional insured when required by contract
• Blanket transfer of rights of recovery when required by contract
• Stated amount physical damage – vehicles may include high-valued built-on equipment

Excess Follow Form Liability

Coverage Highlights

• Follows form over scheduled underlying policies which can include Commercial General Liability, Pollution Liability, Business Auto Liability and Employers Liability
• Available as excess follow form over other carrier’s underlying environmental project policies or premises pollution policies
• Non-admitted paper in 49 states (admitted paper in MN)
• Available to environmental contractor, consulting and facility accounts in conjunction with general liability and environmental coverages
• Total account limits up to $25,000,000
• $2,500 minimum policy premium

Preferred Risks

• Environmental contractors performing services at jobsites owned by others, including services such as:
  • Remediation or abatement of pollutants
  • Removal, excavation, containment, treatment or neutralization of pollutants
  • Installation, removal or cleaning of above ground or underground tanks
  • Clean up and restoration of storm or fire damaged premises
  • Installation or maintenance of testing, monitoring or similar equipment
  • Construction or operation of landfills, recycling facilities, or other waste facilities
• Environmental consultants
• Environmental facilities such as:
  • Landfills, waste transfer and waste recycling facilities
  • Other hazardous or non-hazardous treatment, storage and disposal facilities
  • Wastewater plants
  • Bio-fuel facilities

Common Enhancements

• Scheduling of watercraft liability