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Environmental Pollution Liability Insurance

Surplus lines solutions for businesses with environmental and pollution exposures.
SUBMIT AN APPLICATION

Customizable Liability Solutions for Your Clients’ Environmental Pollution Risks

Nearly every commercial client—from contractors to manufacturers—has some level of environmental pollution risk. This exposure has the potential to lead to devastating financial losses. At DeCotis Specialty Insurance, we offer Environmental Pollution Liability Insurance from AM Best A-Rated markets to help you protect clients from the costs associated with pollution remediation, legal and regulatory defense, and more.

Target Classes

FOR VARIOUS BUSINESSES

We help our agency partners find specialty insurance for their clients with environmental pollution liability exposures, including but not limited to:

  • Artisan and general contractors, construction firms, and non-environmental contractors
  • Automotive repair shops and fleet maintenance facilities
  • Environmental facilities, e.g., landfills, transfer and recycling centers, and treatment, storage, and disposal facilities (TSDF)
  • Food and beverage processors
  • Gas stations and convenience stores
  • Manufacturing and processing facilities
  • Mold, asbestos, and lead remediation contractors
  • Real estate developers and commercial property owners
  • Waste haulers and environmental services contractors
  • Transportation facilities, e.g., terminals, airports, and marinas

Coverage Options

DeCotis offers a range of surplus lines solutions to help agents protect their clients against an environmental pollution claim.

  • Pollution Legal Liability (PLL): On-site and off-site pollution events
  • Contractors Pollution Liability (CPL): For construction and remediation projects
  • Storage Tank: Underground and aboveground storage
  • Environmental Impairment Liability (EIL): For owned or managed real estate
  • Transportation Pollution Liability: Spills or releases during transit
  • Minimum Premium: Starts at $350

KEY COVERAGE FEATURES

  • Emergency Response Coverage, including immediate mitigation and containment
  • Third-party bodily injury and property damage
  • Cleanup and remediation costs, including investigation, removal, disposal, and corrective actions
  • Regulatory defense costs (where allowed)
  • Legal defense inside or outside limits
  • Business Interruption (for select programs)

Product Highlights

  • Occurrence or Claims-Made forms
  • Sublimits and optional endorsements available for transportation, Builders Risk Wrap-Up, or professional services
  • Flexible limits for small contractors to large industrial accounts that can be packaged with General Liability and Professional Liability
  • Limits up to $25 million

SUBMISSION REQUIREMENTS

Download the application that best suits your clients’ needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

A hazardous materials supplement application form with fields for applicant details, waste information, facility fire safety, spill controls, and proximity to water sources. Pollution Liability coverage is addressed. The Decotis Speciality Insurance logo is at the top left.
DOWNLOAD THE SITE SPECIFIC POLLUTION LIABILITY—HAZARDOUS MATERIALS SUPPLEMENTAL APPLICATION
A “Contractors Pollution Liability Application” form from DECOTIS Specialty Insurance, featuring sections for applicant info, coverage, Environmental Liability details, current insurance, and gross revenue, with checkboxes and blank fields for completion.
DOWNLOAD THE CONTRACTORS POLLUTION LIABILITY APPLICATION — NON-ENVIRONMENTAL CONTRACTORS
A form titled “Above Ground Storage Tank Supplement Application” by Decotis Specialty Insurance, featuring applicant information fields and questions about storage tank history, inspection, spill plans, insurance, and Pollution Liability coverage.
DOWNLOAD THE STORAGE TANK—ABOVE GROUND—SUPPLEMENTAL APPLICATION
A Premises Pollution Liability Coverage Application form from Decotis Specialty Insurance is displayed. It includes fields for applicant details, requested Environmental Liability coverage, deductible, and other relevant insurance information.
DOWNLOAD THE SITE SPECIFIC PREMISES POLLUTION LIABILITY APPLICATION

Getting an Environmental Pollution Liability Insurance Quote Is Simple

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your commercial lines clients may also require these products.

Artisan and General Contractors Liability

Safeguards skilled artisans and general contractors from the special liability risks of their trades and potentially costly injury, as well as property damage claims resulting from their work.

Learn More
Truckers General Liability

Provides financial protection for businesses against claims that an employee caused an injury or property damage due to non-driving activities, like loading and unloading.

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Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Fast, Responsive Support from Experienced Underwriters
  • Customized Coverage Options
  • Flexible Limits and Endorsements for Complex Accounts
  • Expertise in Hard-to-Place Risks
  • Access to AM Best A-Rated Carriers
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