New Business Opportunity: Environmental Facilities

Environmental facilities like wastewater treatment plants and recycling centers have seen steady activity this year, avoiding many of the challenges other industries have faced in our current economy. We have worked on some great facility opportunities in the past few months, helping our agents win these accounts by offering multiple coverage options and superior service.

These risks may include, but are not limited to:

  • Industrial facilities
  • Recycling facilities
  • Storage sites
  • Landfills
  • Warehouses
  • Manufacturers
  • Wastewater treatment plants


*Packages currently cost as little as $5,000 with limits from $500k/$500k to $25M.

Some specifics about coverage for environmental facilities:

  • Packaged policies combine various lines with a shared limit and/or aggregate. Available coverages for environmental facilities include GL, Contractors Pollution Liability, Site Pollution Liability, Transportation Pollution Liability, and Excess. Combining these coverages can create a more streamlined insurance program and a substantial cost savings for the insured.
  • Coverage is offered by insurance companies rated A.M. Best “A-” or better.
  • Beacon Hill offers many coverage enhancements and limit options.

For more information about environmental facilities, please contact us.

Recent Environmental Facility Accounts We Have Written:

$3.2M Landfill purchased GL/CPL/EIL ($1M/$2M) and a $1M Excess policy for $27,481.

$1.43M Established metal recycling facility getting into the building reclamation/demolition business purchased GL ($1M/$2M) and Excess ($5M/$5M) for $98,472. Coverage included work performed by subcontractors as well as 1099 contractors.

$625k Wastewater and water treatment company purchased GL/CPL/E&O ($1M/$2M) for $5,498.

Transfer station purchased a $5M/$5M Site Pollution Liability policy for $78,140.

A large salvage yard business purchased: GL/CPL/Products Pollution ($1M/$2M) with a $25M Excess policy; a 3-year Site Pollution policy for over 40 locations ($15M/$15M) with a 3-year $10M Excess policy; and a GL with Railroad Liability for a total of $535,000.

Landfill purchased GL/CPL ($1M/$2M) and an Excess policy ($2M/$2M) for $30,540.

A warehouse facility that stores hazardous materials (corrosives and combustibles) purchased a $1M/$1M Site Pollution Liability policy for $4,944.