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Environmental Insurance Products

SPG’s Environmental team has specialized in environmental insurance products since 1990. We remain committed to bringing the best insurance companies to our agents. 

The following is a list of coverages generally available through SPG Environmental. Please note that many risks require a combination of these coverages to adequately address an insured’s environmental needs. SPG considers all environmental opportunities, large or small.

large fuel truck

Auto Coverage

Coverage for liability from pollution incidents caused by vehicles, including loading / unloading and transport-related discharges.

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Contractor holding a piece of metal

Contractors & Consultants

Packaged coverage combining pollution liability, professional liability, and general liability for environmental contractors and consultants. Protects against claims arising from operations, advice, or project management.

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contractors pollution liability

Contractors Pollution Liability (CPL)

Protects contractors from third-party claims of pollution-related bodily injury or property damage linked to their operations, including mold, asbestos, and chemical exposure.

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environmental contractors

Contractors Pollution and Professional Liability

Combined protection for contractors and consultants against both pollution-related claims and professional errors, omissions, or negligence in the services they provide.

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Construction workers talking

Energy-Related Coverage Options

Comprehensive coverage for oil, gas, renewable energy, and related businesses. Includes general liability, pollution liability, and excess environmental risk protection tailored to energy operations.

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Electric car charging port

Enhanced Fuel Solutions Options

Specialized coverage for fuel distributors, gas stations, and EV charging stations, addressing leaks, spills, and contamination risks unique to energy retail operations.

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environmental facility

Coverage for Environmental Facilities

Insurance solution tailored for Facilities Pollution. Designed to mitigate liability, environmental, or operational risks across industries.

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Box on a conveyor belt

GL & Products Pollution for Manufact. and Dist.

Insurance solution tailored for General Liability Pollution. Designed to mitigate liability, environmental, or operational risks across industries.

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Semi truck towing a construction vehicle

Inland Marine Insurance Options

Covers tools, equipment, and mobile assets in transit or on job sites, with optional pollution-related endorsements for environmental contractors.

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Row of residential buildings

Premises Pollution Liability

Site-specific coverage for owned or leased locations, protecting against pollution incidents, clean-up costs, and third-party claims for bodily injury or property damage.

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Storage tanks

Storage Tank Liability Options

Insurance for aboveground and underground tanks protecting against leaks, contamination, cleanup, and liability claims.

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transportation

Transportation Liability

Insurance solution tailored for Transportation Liability. Designed to mitigate liability, environmental, or operational risks across industries.

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Workers in radiation protection gear

Workers Compensation With Pollution

Insurance solution tailored for Works Compensation Pollution. Designed to mitigate liability, environmental, or operational risks across industries.

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Selecting the Right Coverage and the Best Carrier Partnership

Properly crafted environmental insurance policies can address many of the exposures businesses face. It is very important to recognize that not all pollution policies are the same, and that many policies do not address all potential pollution problems. It is also important to recognize that all policies contain exclusions that can impact the degree of coverage provided. Common ones exclude claims resulting from intentional acts or willful noncompliance with environmental regulations.

The key to purchasing effective coverage for these exposures is to work with insurance carriers that are experienced with the class and are actively seeking to write the business. Claims paying history, responsiveness, and service are key elements to be reviewed when deciding between carriers. Scope of coverage being offered can be significantly different between companies, so choosing carefully is important.

For more information on environmental insurance or to discuss a specific account, please contact us.