Pollution Liability

Pollution liability, also known as environmental insurance, protects against liability, such as third-party bodily injury and third-party property damage, caused by hazardous waste materials released or produced during a company’s business operation or after a company’s completed operation. It also covers individuals while they are operating and completing a job.

Pollution liability is often excluded, meaning that most business policies do not provide this coverage. This leaves the policyholder exposed to liability which can cause serious financial impact if an accident, incident, or lawsuit occurs.

In short, any business that produces hazardous waste materials should have pollution liability coverage, including individuals completing a job.

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

• Any business that produces hazardous waste materials
  • Industrial sites
  • Companies that produce chemicals
  • Leather and textile companies
  • The metal-working industry
  • Printing companies
  • Cleaning companies
  • Auto repair shops
  • Waste depositories
  • And more
• Any individual that produces hazardous waste materials on the job
  • Contractors
  • Chemical applicators
  • Manufacturers
  • And more

We are here to help contractors of all types and provide customized insurance solutions including pollution liability coverage.

Here are some of the contractors we can help:

• General contractors who work on commercial and industrial sites
• Environmental contractors who work on contaminated sites
• Artisan contractors who work on plumbing, painting, and more
• Contractors in the oil and gas field
• Asbestos abatement contractors

Prime Insurance Company writes insurance and pollution liability for aboveground and underground storage tanks. This program is geared towards:

• Gas stations
• Airports with their aboveground or underground storage tanks
• Trucking companies with their own gas or diesel underground/aboveground tanks
• Governmental entities such as municipality, city, or town with their own gas/diesel
• Agricultural Risk with aboveground or underground storage tanks
• Heating oil distributors with aboveground or underground storage tanks

Environmental insurance can be hard to obtain for some businesses because of the associated risk and just how often an incident or accident can occur.

In 2021, the Pipeline and Hazardous Materials Safety Administration (PHMSA) reported that 23,071 incidents occurred during the transportation phase of hazardous materials. Of those 23,071 incidents, 10,980 of them were during the unloading phase and 6,926 incidents occurred while in transit. The transportation industry has many risks of its own and adding hazardous materials to the mix makes it that much more important to have proper insurance coverage.

According to HWH Environmental, 13 tons of hazardous waste is generated every second. On top of that, in just one generation, the earth’s production of manufactured chemicals increased by 40,000% to 400 million tons.

Looking for the best pollution liability insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your pollution liability insurance quote today by clicking the “Get a Quote!” button above.

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Pollution liability is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating^® must be verified by visiting www.demotech.com.