Contractors pollution, site pollution, transportation, storage-tank, professional, and product-pollution coverage solve different exposure paths.
Environmental and Specialty
Environmental and Pollution Liability.
Pollution can come from the site, the work, the product, the waste stream, or the trip between them.
Environmental insurance can address specified pollution conditions, cleanup costs, third-party claims, transportation, contractor operations, professional services, or site exposures, depending on the form. Historical use, contaminants, known conditions, contracts, waste handling, transportation, regulatory matters, and standard-policy exclusions drive the placement.
Placement context
Facts to confirm before applying.
No known pollution is not an environmental narrative. Tell us what materials enter the operation, what leaves as waste, where they are stored, how they move, what the site was used for before, what reports exist, and what the contract says the insured must own if something is discovered.
Coverage scope
What the coverage may address.
Known conditions, gradual events, mold, indoor air, cleanup, and regulatory action need form-specific review.
General liability, auto, property, professional, and environmental policies may each exclude a different part of the same event.
Placement factors
Facts that affect placement.
- Contractors pollution, site pollution, storage tanks, transportation, or environmental professional services
- Known or suspected conditions, redevelopment, brownfields, or historical industrial use
- Mold, microbial matter, indoor air, waste, chemicals, or remediation operations
- Contractual requirements or coverage gaps created by standard pollution exclusions
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Follow the material and the responsibility: source, site, work, storage, transport, waste, reports, known conditions, contracts, controls, and the point where another policy excludes the event.
Include these facts
- Operations, sites, historical use, contaminants, and environmental reports
- Contracts, scopes of work, waste handling, transportation, and disposal practices
- Known conditions, incidents, remediation, regulatory matters, and claims
- Requested pollution, professional, transportation, cleanup, and completed-operations terms
Resolve these questions before market review
- What pollutant, site, operation, or professional service creates the exposure?
- What is known from environmental reports and historical use?
- Who transports, stores, treats, or disposes of material?
- Which contracts and standard-policy exclusions create the coverage gap?
Submission errors
Avoid these three issues.
- Saying no pollution exposure for an operation using chemicals, fuel, waste, tanks, transport, or remediation work
- Submitting a report without summarizing recognized conditions and completed action
- Requesting contractual pollution terms without the contract, scope, disposal path, or responsible parties
Hedge resources
Forms and class guidance.
Hedge forms
Review the form and download a fillable PDF.
Class guidance
Public, directional appetite to help prepare for account-specific review.
Related coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageProfessional and Cyber
Miscellaneous Professional Liability
The insured's promise is the exposure. Define the service before trying to insure the mistake.
Open coverageTransportation and Marine
Commercial Auto and Trucking
Vehicles are the schedule. Drivers and operations are the risk.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.