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Kinsale’s Environmental Division provides coverage to companies whose operations or products have or could impact the environment.  Whether the exposure is operational or premises, contingent or contractual, Kinsale offers a variety of solutions. Our products include Environmental Contractors General and Pollution Liability coverage’s, Contractors Pollution Liability for non environmental firms, General and Products Liability coverage for manufacturing firms including Products Pollution Coverage, Pollution Legal Liability and Dry Cleaners Pollution Liability.

Target Classes:

Environmental Contractors General Liability:

  • Lead and asbestos abatement contractors;
  • Mold remediation contractors;
  • Industrial maintenance and cleaning contractors;
  • Environmental response and remediation contractors;
  • Fire, smoke, water and disaster response contractors.

Minimum premium $7,500.

Environmental Contractors Pollution Liability Coverage (CPL):

  • Both environmental and non-environmental construction and contracting;
  • Claims-made and Occurrence available;
  • TPL, NODS, and Professional coverage available by endorsement for environmental contractors.

Minimum premium $2,500.

Manufacturers General Liability:

  • Manufacturers and distributors of chemicals, paints, coatings, soaps, oils, lubricants, etc. considered;
  • Environmental products including: pumps, valves, liners, remediation equipment, landfill liners, drums and barrels, etc;
  • Products Pollution and Limited Product Recall Expense available by endorsement;
  • Claims-made and Occurrence available.

Minimum premium $7,500.

Standalone Products Pollution Liability:

  • Coverage can be provided for most classes;
  • Coverage for bodily injury, property damage, and clean-up costs available;
  • Claims-made and Occurrence available.

Minimum premium $3,500.

Pollution Legal Liability (PLL):

  • Claims-made and reported;
  • Location specific;
  • Covers on-site and off-site pollution;
  • Includes new and pre-existing conditions (either can be deleted by endorsement).

Minimum premium: $5,000.

Dry Cleaners:

  • Locations with active dry cleaning machines that are third generation or newer;
  • Location, machine and solvent specific;
  • Covers on site cleanup and third party bodily injury and property damage;
  • Most dry cleaning solvents considered.

Minimum premium: $3,500.

Policy Structure:

  • $10,000,000 Capacity;
  • Excess and layered arrangements may also be considered;
  • Combined form available for Environmental Contractors;
  • Claims-made and Occurrence forms available in most cases;
  • Deductibles can be tailored to individual risks.

Submission Requirements:

  • Kinsale Environmental Application with a complete Description of Operations, (Signed and dated by the Insured when bound);
  • ACORD Applications required as appropriate, (Signed and dated by the Insured when bound);
  • Five Year Summary of Losses; with a description provided for losses over $25,000;
  • Internet Website Information.