Ideal Accounts and Appetite
Our program targets a broad range of environmental service providers. Typical classes we place include:
- Site remediation contractors (soil, groundwater, and vapor mitigation)
- Contractors performing underground storage tank removal and closure
- Environmental consultants preparing Phase I & II reports, site assessments, and regulatory compliance advice
- Asbestos, lead, and mold abatement contractors
- Waste haulers, spill response teams, and emergency remediation services
You might have a client who specializes in soil remediation for former industrial sites or a small consultant firm conducting Phase II investigations — both are good fits for this program when operations and limits match appetite.
Coverage Highlights and Advantages
Demetriou General Agency’s Environmental Contractors Insurance program provides flexible coverages designed for construction and professional exposures associated with environmental work. Key features:
- Contractor’s Pollution Liability (CPL) for third-party claims and remediation costs
- Professional Liability for environmental consultants (E&O) covering negligent assessment or reporting
- Combined General Liability and Professional Liability packages for mixed contractor/consultant operations
- Low minimum premiums to accommodate small and mid-sized firms
- Higher liability limits available for accounts that meet underwriting criteria
These coverages help protect insureds from the financial impact of pollution incidents, cleanup obligations, and professional errors or omissions — critical where regulatory and third-party exposures are significant.
Underwriting Notes and Minimum Premiums
Underwriting focuses on scope of operations, claim history, work controls, and project types. Key considerations include:
- Detailed description of operations and typical projects (site types, equipment used, subcontractor involvement)
- Loss runs and professional claims history
- Risk controls such as written procedures, air monitoring, disposal practices, and training
Minimum premiums vary by class, limits, and whether the account is placed admitted or non-admitted. Demetriou’s underwriters review submissions quickly and will advise on documentation needed to qualify the risk.
Territories and Availability
This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can place accounts in admitted or non-admitted markets when appropriate, giving you flexibility to secure capacity for more complex or hard-to-place risks.
Why Work With Demetriou General Agency?
As a Managing General Agency with deep experience in niche environmental markets, Demetriou General Agency helps agents place specialized environmental risks with confidence. Our strengths:
- Dedicated underwriting teams familiar with environmental and remediation exposures
- Access to an A-rated carrier panel and both admitted and non-admitted options
- Efficient turnaround and practical guidance on documentation and risk improvements
- Solutions for single contractors up to multi-state consultant firms
Whether you’re placing a single-site remediation contractor or a consulting firm with multi-state operations, we provide the market access and underwriting support to get the deal done.
Call Demetriou General today for all of your Environmental Contractors Insurance needs!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for environmental contractors, consultants, and remediation firms, including specialists in mold, lead, asbestos, tank removal, and soil or groundwater remediation.
Is this program available in all states?
No. Coverage is currently available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
What coverages are included in the Environmental Contractors Insurance program?
Available coverages include Contractor’s Pollution Liability, Environmental Consultant Professional Liability, and combined General Liability plus Professional Liability packages for mixed operations.
Are admitted and non-admitted carriers available?
Yes. We access both admitted and non-admitted markets depending on the risk profile and jurisdiction.
What is the minimum premium for this program?
Minimum premiums vary by class of business, limits requested, and whether the placement is admitted or non-admitted. Contact our underwriting team to discuss specifics for your submission.
Need help placing an account? Connect with a market specialist.