Environmental Services Package Policies (ESP)

Coverage can be provided for environmental contractors, consultants, engineers, and laboratories on a package basis. An insured can purchase a package policy that suits their particular operation or service. The package policy can combine Commercial General Liability (CGL) coverage with Contractor’s Pollution Liability (CPL), Non-Owned Disposal Site Liability (NODS), Professional Liability (PL), Transportation Pollution Liability (TPL), and/or Incidental Site Liability. The CGL policy is written an ISO occurrence form.

ESP is suitable for many environmental contractors, consultants, engineers, and laboratories. Preferred and target classes include:
  • Fire and water restoration contractors
  • Soil and groundwater remediation contractors
  • Solar and alternative energy contractors
  • Asbestos, lead, mold, and radon abatement contractors
  • Emergency response contractors
  • Crime scene and meth lab cleanup contractors
  • Alternative energy and green contractors/consultants (wind, solar, water, and bio-mass)
  • Storage tank installation, cleaning and removal contractors
  • Industrial hygiene, health and safety consultants
  • Medical and biohazard waste collection and disposal contractors
  • Mold inspectors and consultants
  • Environmental laboratory analysis, packing, and testing firms
  • Environmental air testing, compliance, and permitting consultants
Policy Benefits
  • Coverage is written through an A.M. Best A- or better rated carrier
  • CGL offers bodily injury and property damage coverage under an ISO CG 04 13 occurrence form
  • Coverage is available to insureds performing environmental contracting, consulting, engineering, and laboratory operations and/or services
  • Additional coverage enhancements include: Mold Coverage, Transportation Pollution Liability and Non-Owned Disposal Site Coverage, Sample Disposal, and Contractor’s Site Liability Coverage
  • Mold coverage may be added on either an occurrence or claims-made 
Policy Features
  • Limits of liability up to $6m per occurrence/$7m aggregate
  • Occurrence and claims-made coverage forms
  • CPL coverage is available on an occurrence or claims-made basis
  • CPL Mold coverage on an occurrence or claims-made basis
  • Unlimited defense limits for CGL, CPL, PL, and TPL
  • Emergency response cost sublimit
  • Coverage for fines and penalties (up to $75,000)
  • Coverage for natural resource damages
  • Additional terms available by endorsement, including additional insured and waiver of subrogation, and primary/noncontributory wording
  • TPL including first-party and third-party carriers
  • Pollutants include: legionella pneumophila, low-level radioactive waste, and electromagnetic fields
Submission Requirements
The following information is required for environmental package submissions:
  • A completed and Signed ALTA Environmental Application (or other acceptable environmental application)
  • Three (3) years currently valued loss runs 
  • Copy of the applicant’s current year and prior year end financial statements.
  • Copies of applicable licenses/certifications, where applicable
  • List of five (5) most recently completed projects