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 coverages, 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: 

General Liability:

  • Lead and asbestos abatement contractors;
  • Mold remediation contractors;
  • Industrial maintenance and cleaning contractors;
  • Environmental response, remediation and restoration contractors;
  • Fire, smoke, water and disaster response contractors;
  • Waterproofing contractors;
  • Pest control contractors as well as the manufacturers and distributors of the pest control chemicals;
  • Manufacturers and distributors of chemicals, coatings, fertilizer, fireworks, lubricants, oils, paints, soaps, and many others considered;
  • Environmental products including: drums and barrels, landfill liners, liners, remediation equipment pumps, valves, etc.;
  • Fuel haulers and hazardous waste transportation;
  • Products Pollution and Limited Product Recall Expense available by endorsement;
  • Claims-made and Occurrence available

Minimum premium $2,500.

Environmental Contractors Pollution Liability Coverage (CPL):

  • Available for most classes
  • 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 $1,500.

 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 $1,500.

Pollution Legal Liability (PLL):

  • Claims-made and reported;
  • Location specific;
  • Covers on-site and off-site pollution;
  • Options for both new and pre-existing conditions;

Minimum premium: $1,500.

Dry Cleaner Site Pollution:

  • 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: $2,500.

Policy Structure:

  • $10,000,000 Excess Capacity available through Kinsale Excess Casualty Division;
  • Combined form of GL and various Environmental coverages available for Environmental Contractors;
  • Standalone products pollution;
  • CPL coverage form with five (5) different coverage parts that can be mixed and matched for each insured;
  • Pollution Legal Liability coverage;
  • 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;
  • Website Information.