Environmental
Our underwriting team has a wealth of experience providing liability insurance solutions for difficult-to-insure environmental-focused businesses.
With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.
In most cases, we can turn around a quote to you in one hour!
Target Environmental Classes
Dry Cleaners:
- Location, machine, and solvent specific
- Locations with active dry cleaning machines that are third generation or newer
- Most dry cleaning solvents considered
- Covers on-site clean-up and third-party bodily injury and property damage
Minimum Premium: $2,500
Environmental Contractors General Liability:
- Fire, smoke, water, and disaster response contractors
- Industrial maintenance and cleaning contractors
- Lead and asbestos abatement contractors
- Mold remediation contractors
Minimum Premium: $2,500
Environmental Contractors Pollution Liability Coverage:
- Both environmental and non-environmental construction and contracting
- TPL, NODS, and Professional coverage available by endorsement for environmental contractors
- Claims-Made and Occurrence available
Minimum Premium: $1,000
Manufacturers General Liability:
- Environmental products, including pumps, valves, liners, remediation equipment, landfill liners, drums, barrels, etc.
- Manufacturers and distributors of chemicals, paints, coatings, soaps, oils, lubricants, etc. considered
- Products Pollution available by endorsement
- Claims-Made and Occurrence available
Minimum Premium: $2,500
Pollution Legal Liability:
- Includes new and pre-existing conditions (either can be deleted by endorsement)
- Location-specific
- Covers on- and off-site pollution
- Claims-Made and Reported
Minimum premium $1,500
Standalone Products Pollution Liability:
- Coverage can be provided for most classes
- Coverage for bodily injury, property damage, and clean-up costs available
- Claims-Made and Occurrence available
Minimum premium $1,500
Policy Structure
Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.
- Up to $5M in capacity, up to $10M with Excess
- Claims-Made and Occurrence forms available in most cases
- Combined form available for Environmental contractors
- Deductibles can be tailored to individual risks
- Excess and Layered arrangements may also be considered
Availability
You can get Environmental coverage from us in these states:
- Arizona
- California [Lic. 0K86725]
- Colorado
- Florida
- Maine
- Michigan
- Nevada
- Oregon
- Texas
- Virginia
- Washington
Company Highlights
Here are a few services you can expect when working with us:
- Quick response time – receive a quote within hours
- 12.5% commission on new and renewal commercial accounts
- 24-hour policy issuance
- Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
- ACORD applications required as appropriate (signed and dated by the insured when bound)
- Environmental application with a complete description of operations (signed and dated by the insured when bound)
- Five-year summary of losses, with a description provided for large losses over $25,000
- Website information