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Environmental

Your wholesale partner

Environmental solutions for the wholesale market

Site pollution, contractor legalities, emergency cleanups, and more can create costly environmental liability claims for businesses. Our environmental liability solutions from Ironshore for the wholesale market can help protect companies against the adverse financial impacts of environmental incidents and liabilities.

  • Environmental protection insurance coverage package

     Our environmental protection insurance coverage (EPIC) policy from Ironshore provides businesses with comprehensive protection for general liability, environmental liability, and more — in a single package.

    Coverage highlights:

    • Worldwide coverage for pollution incidents arising out of your products, your work, non-owned locations, and transportation (regardless of where claim or suit is brought)
    • Guaranteed cost general liability coverage
      • Emergency response expense at the full policy limits
      • Pollution liability during transportation
      • Products pollution liability standard in every policy
    • Blanket non-owned disposal site coverage
    • On-site pre-existing cleanup coverage available
    • No silica or lead exclusion
    • Non-auditable
      • Broad form named insured
      • Defense outside the limits and deductible, except coverage part III & IV
      • Blanket additional insured (ongoing/completed operations, vendors, leased equipment, managers/lessors of premises)
      • Blanket primary/non-contributory and waiver of subrogation
      • Misdelivery of liquid products


    Target classes:

    • Environmental contractors and consultants
      • Air quality consulting
      • Asbestos abatement
      • IAQ
      • Lab analysis
      • Landfill contractor
      • Mold remediation
      • Remedial design
      • Regulatory consulting and permitting
      • Soil and groundwater consulting and remediation
      • Solar renewables
      • Storage tank contractor
    • Manufacturing and distribution of:
      • Drums, containers, totes
      • Lubricants/oils
      • Oil field products, downhole chemicals
      • Paints, coatings, adhesives
      • Personal care products
      • Plastics, rubber, and metal products
      • Secondary input chemicals
      • Soaps, detergents, cleaning products
    • Waste treatment, storage, and disposal facilities
    • Recycling facilities
    • Chemical toll blending
    • Waste-to-energy facilities
  • Environmental excess

    Our follow-form environmental excess solutions from Ironshore offer protection over primary policies for casualty, pollution legal liability, contractors pollution liability, and more.

    Coverage highlights:

    • Limits up to $50M
    • Supported and unsupported excess available. For unsupported, underlying carrier must have an A- or better rating.
    • Covered primary policies:
      • Contractors pollution
      • Fixed-site pollution legal liability
      • EPIC, auto liability, and employer’s liability
      • General liability, pollution liability, and environmental professional liability
  • Contractors environmental legal liability

    Coverage highlights:

    • Limits up to $50M
    • Built-in coverage enhancements, including image restoration, disinfection event, and pre-claim event expenses
    • Blanket covered operations for your work
    • Blanket pollution liability during transportation (including first- and third-party transporters and misdelivery)
    • Blanket coverage for non-owned locations
    • Ability to schedule owned locations for pollution liability coverage on a time-element basis
    • Defense expenses outside the limit of insurance, subject to the deductible
    • Blanket additional insured on a primary and non-contributory basis subject to a written contract
    • Electromagnetic fields, mold matter, and Legionella pneumophila included in the definition of pollutants
    • Silt and sedimentation included in the definition of pollution incident
    • Project and wrap policies available with up to 10 years of completed operations coverage


    Target classes:

    • Any contracting exposure
    • Wrap-up construction projects
  • Site Pollution Incident Legal Liability Select

    Our Site Pollution Incident Legal Liability Select (SPILLS) coverage from Ironshore helps protect businesses against third-party bodily injury and property damage claims because of a variety of environmental risks.

    Coverage highlights:

    • Limits up to $50M
    • Broad definition of pollutants, including mold, Legionella pneumophila, electromagnetic fields, radioactive materials, and medical, infectious, and pathological waste
    • First- and third-party on-site and off-site remediation of pollutants
    • Third-party bodily injury and property damage including natural resource damage
    • Pre-existing and new conditions
    • Emergency response expenses
    • First- and third-party blanket transportation coverage
    • Blanket waste disposal activities coverage
    • Business interruption coverage


    Target classes:

    • Brownfield redevelopment
    • Education
    • Energy mining, oil and gas, power generation
    • Gas stations/service stations/convenience stores
    • Hazardous waste/liquid haulers
    • Healthcare
    • M&A transactions
    • Manufacturing
    • Public entities
    • Real estate (all classes)
    • Warehouse storage and distribution
    • Waste treatment, storage disposal facilities
  • Storage tank liability

    Our storage tank liability policy from Ironshore helps cover first- and third-party liability resulting from releases from commercial underground and aboveground tanks.

    Coverage highlights:

    • Limits: $500K to $10M
    • Broad appetite for underground and aboveground storage tanks of different ages and construction
    • Fines and penalties included
    • First-party discovery corrective action and cleanup costs during policy period or applicable extended reporting period
    • Third-party bodily injury and property damage, including natural resource damages and medical monitoring costs
    • Optional coverages available, including third-party blanket transportation and blanket waste disposal activities
    • Online portal available to quote and bind quickly and easily
    • Policy and financial certificates available online at bind


    Target classes:

    • Airports
    • Apartments/condos
    • Auto dealers
    • Convenience stores
    • Fuel terminals
    • Gas stations
    • Hospitals
    • Manufacturing
    • Retail
    • Schools

Our claims response

Our claims professionals work closely with our environmental underwriters and have an in-depth understanding of environmental risks and our customers’ specific operations, projects, and insurance programs. We offer:

  • 24/7 emergency claims response hotline (1-888-292-0249)
  • Rapid on-site response via our IronResponse™ mobile app
  • Crisis management and public relations services
  • Contract review services
  • Regulatory compliance assistance
  • Risk mitigation consultation

Our claims management approach is designed for maximum value and minimum hassle so your clients can quickly respond to environmental incidents and get back on track.


Get in touch

Want to know more about what we can do for you? Contact a member of our wholesale team today.

Kelly Killimett

National Manager, Environmental Wholesale

Atlanta, GA

Leslie Jordan

National Underwriting Manager, Environmental Wholesale

Scottsdale, AZ

Brianna Santos

Senior Underwriter, Environmental Wholesale

Portland, OR

Mike Moorachanian

Senior Underwriter, Environmental Wholesale

Atlanta, GA

Ellen O’Connor

Underwriting Specialist, Environmental Wholesale

Chicago, IL

Tyler Brewer

Underwriting Specialist, Environmental Wholesale

Atlanta, GA

This website is intended to be informational and is solely for the use of properly licensed insurance professionals.  Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation.  The products and services described may not be available in all states or jurisdictions.  See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and insureds are therefore not protected by such funds. Coverage may only be obtained through duly licensed surplus lines brokers.