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Environmental Liability

  • Contractors Pollution Liability (CPL): protects contractors against third party claims for bodily injury, property damage, or environmental damage resulting from pollution conditions caused by covered operations; claims-made or occurrence basis; limits up to $75M, min. premium $5,0001

  • Environmental and General Liability Exposures (EAGLE) Program®: combines CGL standard liability coverage with coverage for pollution exposures arising from on-site premises, products, or off-site premises operations; Excess and Auto only written in conjunction with primary EAGLE2; $1M/$2M/$2M limit structure, min. premium $20,000

  • Commercial Excess Follow Form (CEFF): insurance excess of and to the extent covered by the insuring agreements of the underlying AIG insurers’ EAGLE primary policies; limits up to $25M

  • TankGuard® Storage Tank Liability Insurance: coverage for corrective action, clean-up, and third party claims for bodily injury and property damage resulting from pollution conditions from scheduled storage tank systems; limits as required by federal and state regulations, minimum premium $525

  • Our environmental offerings continue to differentiate through our specialized and robust underwriting teams in 13 offices throughout the U.S.

1 For contractors with revenues below $20M we offer min. premium $2,500
2 No stand-alone auto or excess policies offered



Risk Preferences

Non-Target Classes of Business



• All construction and commercial services contractors (contractors of all revenue size)

• All construction projects including OCIP and CCIP

Industrial operation and maintenance (O&M), fixed based operators (FBOs), mining


Manufacturing and distribution

First and third party (tolling) manufacturing; wholesale and limited retail distribution; brokering (small–mid sized companies)

Aircraft critical parts, toys, sporting equipment, medical equipment, power tools, building materials


Manufacturers, blending operations, distribution operations; raw/intermediate materials manufacturing and distribution (small–mid sized companies)

Dry cleaning products, pharmaceuticals

Utilities:public and private operations

Composting facilities; methane collection and co-generation at landfills; quarries; waste treatment, storage, or disposal facilities (landfill, recycling, incineration, transfer stations); waste water treatment plants

Hospitals/assisted living facilities,
schools, residential trash haulers, power plants, mines, potable water utility, petroleum refineries


of underground and
aboveground storage

• Underground tanks under 25 years of age

• Aboveground tanks under 40 years of age

• Commercial real estate; healthcare, education, and recreation facilities

• Retail and wholesale fueling facilities

• Airport exposures with hydrant systems

• Industrial processing tanks

• Bulk storage tanks

• Tanks not regulated under 40 CFR 280

Client Risk Solutions (CRS):

• PIER (Pollution Incident and Environmental Response)®:a value-add program that assists insureds with emergency response, crisis management, and managing loss costs

• In-house dedicated engineers with 15+ years of insurance and environmental consulting experience to assist insureds with their environmental risks

• Assist insureds with environmental risk management program evaluation and optimization by assessing plans, providing training, and delivering recommendations for risk improvement to reduce overall risk


Best in class, dedicated Environmental claims unit composed of an experienced staff with direct environmental industry or environmental litigation experience.