Environmental Contractor’s / Consultant’s Package
Package Overview
Our Environmental Package policy offers Commercial General Liability and Contractor’s Pollution Liability for environmental contractors, Commercial General Liability and Professional Liability for environmental consultants, and monoline Contractor’s Pollution Liability for non-environmental contractors. All combined policies are written on an ISO commercial general liability based forms.
Limits up to $6 million per occurrence/$6 million aggregate are available on “A” IX A.M. Best Rated carrier on a primary basis or combination primary with follow form excess liability.
Coverage Overview
(Available in all U.S. states except New York)
- Bodily injury
- Clean-up costs
- Property damage arising from operations/services of the policy holder
- Minimum premiums begin at $2,500
- Deductibles as low as $1,000
Facilities
- Light Industrial
- Recycling Operations
- Treatment Storage and Facilities
- Waste Operations
Coverage Enhancements
- ISO Commercial General Liability (CGL) base form
- Combined general and pollution coverages eliminates the need to purchase separate policies
- Broad pollution definition includes fungi, bacteria, allergens and electronic magnetic fields
- Punitive damages when insurable by law
- Defense costs in addition to limits
- Blanket additional insureds
- Blanket Primary/non-contributory and waiver of subrogation
- Per project aggregate limits available
- Non-owned Disposal Site coverage
- Transportation Pollution Liability coverage
Environmental Contractors:
- Hazardous Waste
- Soil and Groundwater Remediation
- Emergency Response and Cleanup
- Storage Tank Contractors and Tank Testing
- Superfund and Brownfield Remediation
- Lead, Asbestos, Radon and PCB Remediation
- All Fire and Water Restoration Contractors
- Mold Remediation and Decontamination
- Other Environmental Contractors that perform clean-up, abatement, remediation, removal, excavation, containment, treatment, detoxification or neutralization of existing pollution conditions.
Environmental Consultants
- Environmental Project Management
- Industrial Hygiene
- Phase I, II and III environmental consultants
- Environmental Regulatory Consulting and Permitting
- Lead, Asbestos, Radon and PCB assessments and inspections
- Other Environmental Consultants that perform testing, monitoring or investigation of pollutants, including the design of systems and protocols for the testing, monitoring, investigation, clean-up, abatement, remediation, containment, treatment, detoxification or neutralization of pollutants.
Construction General Liability Policy
Package Overview
Our Construction General Liability package policy is offered to general and trade/artisan contractors (both commercial and residential). Contractor’s pollution coverage is available on a claims made basis. As part of our standard coverage package, we offer blanket (where required by written contract) additional insured, primary/non-contributory and waiver of subrogation endorsements.
Primary limits up to $1 million per occurrence and $2 million aggregate are available on “A” XII A.M. Best Rated carrier.
Coverage Overview
(Available in all U.S. states except Alaska, Colorado, Hawaii, Iowa, Nevada and New York)
- Minimum premiums beginning at $2,000
- Deductibles as low as $2,500
Coverage Enhancements
- ISO Commercial General Liability (CGL) base form
- Combined general and pollution coverages eliminates the need to purchase separate policies
- Blanket additional insureds
- Blanket Primary/non-contributory and waiver of subrogation
- Per project aggregate limits available
- Non-owned Disposal Site coverage
- Transportation Pollution Liability coverage
- Dedicated Pollution limits available
Target Risks:
General and trade/artisan contractors (commercial and residential) with revenues generally under $10 million in the following classes:
- HVAC Contractors
- Concrete Construction (flat work, drive ways and patios)
- Door & Window Contractors performing installation work solely for repair, remodel, and additions
- Driveway, Parking Area or Sidewalk contractor
- Floor Covering Installation
- Electrical Contractors
- Plumbing Contractors (less than 2 stories)
- Masonry Contractors (flat work, drive ways and patios)
- General Contractors – Residential Custom Home Builders (less than 5 homes per year)
- General Contractors – Commercial
- Painting Contractors
- Tile, Stone, Marble, Mosaic or Terrazzo Work – interior construction
- Landscaping including lawn treatment
- Interior Carpentry
- Solar Contractors
- Metal Erection – nonstructural
- Residential and Commercial Artisan and General Contractors performing repair/remodel/addition work.
Expanded Construction General Liability Policy
Package Overview
Our Expanded Construction General Liability policy is offered to general and specialty trade/artisan contractors. Our appetite includes a range of small, mid-sized, and large general contractors, builders and subcontractors working on residential and/or commercial construction.
Limits up to $1 million per occurrence and $2 million aggregate are available on “A” XV A.M. Best Rated carrier.
Coverage Overview
(Available in all U.S. states except Alaska, Colorado, Hawaii and New York)
- Minimum premium and fees beginning at $7,500
- Deductibles as low as $1,000
Coverage Enhancements
- ISO Commercial General Liability (CGL) base form
- Defense costs in addition to limits
- Blanket additional insureds
- Blanket Primary/non-contributory and waiver of subrogation
- Per project aggregate limits available
Target Risks:
General and trade/artisan contractors (commercial and residential) with revenues generally under $50 million in the following classes:
- Alarms and Alarm Systems (Installation, servicing, and repair)
- Appliances and Accessories (Installation, servicing, and repair)
- Carpentry
- Carpet, Rug, Furniture or Upholstery Cleaning
- Concrete Construction
- Door & Window Contractors performing installation work (Including New Construction)
- Drywall or Wallboard Installation
- Electrical Contractors
- Excavation Contractors
- Floor Covering Installation
- Fence Erection Contractors
- HVAC Contractors
- Insulation Contractors
- Landscape Gardening and Lawn Care Services
- Masonry Contractors (flat work, driveways and patios)
- Metal Erection – Structural and/or Decorative or Artistic
- Painting Contractors
- Plumbing Contractors (less than 3 stories)
- Roofing Contractors (3 stories and Under)
- Sliding or Gutter Installation
- Swimming Pools – Installation, servicing, and repair
- Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction
- General Contractors – Residential Custom and Tract Home Builders (Cannot exceed 25 or more tract homes at any one site or development during policy period)
- General Contractors – Commercial
- Residential and Commercial Artisan and General Contractors performing repair/remodel/addition work
C&S Specialty Underwriters, LLC
dba C&S Risk and Insurance Services LLC in California
dba C&S Specialty Insurance Services LLC in Nevada | New York | Utah
PO Box 723874
Atlanta, GA 31139
T. 855.390.7598
F. 678.999.5121
info@csunderwriters.com