Empire Brokerage Services, LLC partners with independent agents and brokers to place complex environmental risks. As an experienced Excess & Surplus Lines Broker, we provide access to a broad selection of Environmental Liability Insurance solutions designed for legacy contamination, contractor exposures, and other pollution-related liabilities.
Overview of the Program From Empire Brokerage Services
Environmental exposures are often limited or excluded in standard commercial policies. Empire Brokerage’s Environmental Liability program fills that gap by offering flexible coverage through non-admitted markets in most states. Our placement options address pollution liability for owned sites, contractor operations, transportation of hazardous materials, and lender/REO exposures—helping your clients meet regulatory requirements and manage cleanup and third-party liability costs.
Ideal Accounts and Appetite
We are positioned to help you place a wide range of environmental risks, including:
- Property owners with suspected or confirmed contamination (lead-based paint, asbestos, mold, historic chemical use)
- Environmental contractors who need combined General Liability, Pollution, and Professional Liability
- Construction and renovation firms facing potential pollution liabilities on project sites
- Lenders and servicers seeking environmental protection for REO and foreclosure-related properties
- Operations involving waste disposal, remediation sites, or transportation of hazardous cargo
Example scenarios: You might have a client who purchased an older industrial site with a history of solvent use and needs coverage for legacy contamination and regulatory cleanup. Or you may be placing an environmental contractor that performs asbestos abatement and requires a combined GL/Pollution/Professional policy for operations and completed work.
Coverage Highlights and Advantages
Empire Brokerage can secure a range of environmental products tailored to the account, such as:
- Site-specific Pollution Liability for owned or operated properties
- Contractor Pollution Liability (CPL) for renovation, remediation, and new construction projects
- Combined GL / Pollution / Professional Liability policies for environmental consultants and contractors
- Lender Environmental Liability for REO portfolios and transaction-related exposures
- Coverage addressing waste disposal sites and hazardous material transportation risks
Working with non-admitted markets gives underwriters flexibility to craft terms for emerging and legacy pollution conditions that admitted carriers may decline or limit.
Underwriting Notes and Minimum Premiums
Underwriting is submission-driven—carrier appetite, limits, and pricing depend on operations, site history, controls, and loss experience. Minimum premiums vary by risk type, location, and requested limits. Early engagement on complex or legacy sites helps us gather the right documentation (site assessments, prior policies, loss runs, remediation plans) and present the strongest submission to markets.
Territories and Availability
This program is available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. We also work with non-admitted insurers in most other states to expand placement options—contact us to confirm appetite and availability for a specific jurisdiction.
Why Work With Empire Brokerage Services
Empire Brokerage Services, LLC combines wholesale E&S distribution experience with focused environmental expertise. We work exclusively through licensed producers, offering responsive service, multi-carrier access, and tailored structures for difficult-to-place risks. Our relationships with specialized carriers enable competitive terms for both emerging exposures and long-tail legacy liabilities.
What types of accounts are a good fit for this environmental program?
This program is ideal for environmental contractors, property owners with suspected or known contamination, lenders managing REO assets, and businesses involved with hazardous material transportation or waste disposal.
Can you write combined GL, Pollution, and Professional Liability policies?
Yes. We place combination policies that bundle General Liability, Pollution Liability, and Professional Liability—particularly for environmental contractors and consultants who require integrated coverage for operations and services.
Is this program available in my state?
The program is currently available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. We also place environmental risks through non-admitted markets in most other states—reach out to confirm specific state appetite.
Are only non-admitted markets used for this program?
We primarily utilize non-admitted carriers to achieve broader terms and underwriting flexibility. Availability through admitted markets may vary by state and carrier—contact us to discuss options for your account.
What information is needed to get a quote?
Typical submissions include a description of operations, site history and any environmental assessments, prior coverage details, loss history, and any remediation or management plans. Early submission of supporting documents helps speed placement and improve terms.