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Environmental & Pollution Liability
for environmental consultants, home inspectors,
and building inspectors
Information and online form to get you started

Typical Customers: Consultants focused primarily on air monitoring, environmental permitting or compliance, UST / AST system design or testing, asbestos / lead abatement plan design, environmental laboratory, mold inspection or assessment, etc.

Some Potential Exposures:

failure to accurately detect mold, asbestos, lead or radon exposures.
underground storage leak due to improper design/installation.

Products Available:

Commercial General Liability (CGL)
Contractors Pollution Liability (CPL)
Professional Liability (PL)

Minimum Premium:

$2,500 - Combined CGL / CPL / PL
$2,500 - Umbrella
$5,000 - Combined CGL / CPL / PL for Mold Consultants

Additional details:

CGL is occurrence form
CPL is available claims-made or occurrence
PL is claims-made form
Mold can be added as a pollutant on CPL / PL
Umbrella includes pollution liability
CGL / CPL / PL can include:

Transportation Pollution Liability (TPL)
Hired/Non-owned Auto Liability
Employee Benefit Liability
Stop Gap Liability
Blanket Additional Insureds
Primary & Non-contributory Wording - CGL only
CG 20 10 11/85 or comparable substitute - CGL only
Separate & Like Defense Limits for CPL / PL
CGL/CPL is typically flat-rated (no audit)
Minimum Deductible is $2,500

Common Issues: start-up mold consultants must have industry experience. A 4-year hard science degree is required for PL by some carriers

Common Underwriting Requirements: most recent year-end financial statements and updated resumes of principal and key personnel

Click here to complete a brief online form to begin the quote process.

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