OUT OF THE ORDINARY INSURANCE

POLLUTION LIABILITY INSURANCE QUOTE & APPLICATION PROCESS

GETTING A REAL POLLUTION LIABILITY QUOTE IS NOT SIMPLE — AND THAT'S A GOOD THING.

IF SOMEONE TELLS YOU THEY CAN QUOTE POLLUTION LIABILITY IN 5 MINUTES WITH NO INFORMATION, THEY ARE EITHER GUESSING, QUOTING SOMETHING INCOMPLETE, OR SETTING YOU UP FOR A DENIED CLAIM. ENVIRONMENTAL INSURANCE IS UNDERWRITTEN, NOT RATED. THE QUALITY OF YOUR SUBMISSION DIRECTLY DETERMINES YOUR PRICING, YOUR OPTIONS, AND WHETHER YOU GET APPROVED AT ALL.

THE QUOTE PROCESS MASTER QUESTIONNAIRE WHAT WE NEED WHY QUOTES FAIL FAQS

THE KIG APPROACH

✗WE DON'T "SHOP QUOTES"

✗WE DON'T FORWARD GENERIC APPLICATIONS

✓PRE-UNDERWRITING REVIEW

✓EXPOSURE BREAKDOWN & POSITIONING

✓CARRIER TARGETING STRATEGY

✓SUBMISSIONS THAT GET APPROVED

BOOK AN APPOINTMENT CONTACT US TODAY CALL / TEXT (412) 212-2800

⚡

GARBAGE IN = NO QUOTE OUT. SUBMISSIONS FAIL BECAUSE OF VAGUE OPERATIONS, MISSING LOSS RUNS, NO UNDERSTANDING OF EXPOSURES, UNREALISTIC TIMELINES, AND UNDISCLOSED PRIOR ISSUES. THIS PAGE SHOWS YOU EXACTLY WHAT IT TAKES TO DO THIS RIGHT — AND INCLUDES THE MASTER QUESTIONNAIRE SO YOU KNOW WHAT TO HAVE READY.

HOW THE QUOTE PROCESS ACTUALLY WORKS

6 STEPS FROM SUBMISSION TO BOUND COVERAGE

HERE IS THE REAL FLOW — NO FLUFF. UNDERSTANDING THIS PROCESS HELPS YOU PREPARE CORRECTLY, SET REALISTIC TIMELINES, AND GET THE BEST POSSIBLE OUTCOME FROM MARKET SUBMISSION.

INITIAL
QUALIFICATION

APPLICATION &
DATA COLLECTION

MARKET
SUBMISSION

UNDERWRITING
REVIEW

QUOTES, TERMS
& NEGOTIATION

BINDING
COVERAGE

STEP 01

INITIAL QUALIFICATION

WE DETERMINE WHETHER YOUR RISK IS INSURABLE, WHICH MARKETS ARE VIABLE FOR YOUR SPECIFIC ACCOUNT, AND HOW COMPLEX YOUR SUBMISSION WILL BE. NOT ALL POLLUTION LIABILITY RISKS CAN BE PLACED IN EVERY MARKET — AND KNOWING WHERE TO GO IS THE FIRST COMPETITIVE ADVANTAGE A SPECIALTY BROKER PROVIDES.

IS YOUR RISK INSURABLE IN THE STANDARD ENVIRONMENTAL MARKET?

WHICH CARRIERS HAVE APPETITE FOR THIS SPECIFIC TYPE OF ACCOUNT?

HOW COMPLEX WILL THE UNDERWRITING PROCESS BE — AND WHAT INFORMATION WILL BE REQUIRED?

THIS IS WHERE MOST GENERIC BROKERS FALL SHORT — SUBMITTING TO THE WRONG MARKETS WASTES TIME AND POSITIONS THE ACCOUNT POORLY FROM THE START.

STEP 02

FULL APPLICATION & DATA COLLECTION

YOU COMPLETE THE ENVIRONMENTAL QUESTIONNAIRE, EXPOSURE DETAILS, AND SUPPORTING DOCUMENTATION. THIS IS WHERE MOST DEALS ARE WON OR LOST. A COMPLETE, WELL-ORGANIZED APPLICATION GIVES UNDERWRITERS WHAT THEY NEED TO MAKE A CONFIDENT DECISION — AND CONFIDENT DECISIONS PRODUCE BETTER PRICING.

DETAILED OPERATIONS DESCRIPTION — SPECIFIC WORK TYPES, MATERIALS, PROJECT SIZES

COMPLETE LOSS HISTORY — 3 TO 5 YEARS OF LOSS RUNS WITH FULL DOCUMENTATION

SUPPORTING DOCUMENTATION — ENVIRONMENTAL REPORTS, SAFETY PROGRAMS, CONTRACTS

THE MASTER QUESTIONNAIRE BELOW COVERS EVERYTHING UNDERWRITERS NEED. COMPLETING IT THOROUGHLY IS THE SINGLE MOST IMPACTFUL THING YOU CAN DO TO IMPROVE YOUR QUOTE OUTCOME.

STEP 03

MARKET SUBMISSION

WE SUBMIT YOUR PACKAGED APPLICATION TO APPROPRIATE ENVIRONMENTAL CARRIERS. EACH CARRIER EVALUATES RISK DIFFERENTLY — SO KNOWING WHICH MARKETS TO TARGET, AND HOW TO POSITION AN ACCOUNT FOR EACH, IS WHERE A SPECIALTY ENVIRONMENTAL BROKER CREATES REAL VALUE.

CARRIERS INCLUDE: CHUBB, AIG, BEAZLEY, GREAT AMERICAN, ZURICH, KINSALE, BERKLEY ENVIRONMENTAL, APOGEE, LLOYDS OF LONDON, DUAL INSURANCE

ACCOUNT POSITIONING — FRAMING THE SUBMISSION TO PRESENT THE RISK IN THE BEST HONEST LIGHT

CARRIER TARGETING — MATCHING YOUR SPECIFIC RISK PROFILE TO THE RIGHT UNDERWRITING APPETITE

A SUBMISSION SENT TO THE WRONG CARRIER IS A WASTED SUBMISSION. ENVIRONMENTAL MARKET ACCESS AND CARRIER RELATIONSHIPS ARE A CORE PART OF WHAT KIG BRINGS TO EVERY ACCOUNT.

STEP 04

UNDERWRITING REVIEW

UNDERWRITERS ANALYZE YOUR OPERATIONS, REVIEW YOUR ENVIRONMENTAL EXPOSURE, AND MAY ASK FOLLOW-UP QUESTIONS OR REQUEST ADDITIONAL DOCUMENTATION. THIS IS NORMAL AND EXPECTED — IT IS NOT A SIGN OF TROUBLE. A GOOD BROKER FACILITATES THIS PROCESS AND ENSURES QUESTIONS ARE ANSWERED ACCURATELY AND PROMPTLY.

OPERATIONS ANALYSIS — UNDERWRITERS EVALUATE WHAT YOU DO AND HOW MUCH RISK IT CREATES

FOLLOW-UP QUESTIONS — EXPECT THEM ON COMPLEX ACCOUNTS; THEY ARE NORMAL AND MANAGEABLE

DOCUMENTATION REQUESTS — PHASE I/II REPORTS, LOSS RUN SUPPLEMENTS, SAFETY PROGRAM DETAILS

SLOW RESPONSES TO UNDERWRITER QUESTIONS ARE ONE OF THE PRIMARY CAUSES OF DELAYED QUOTES AND QUOTE DEGRADATION. HAVING DOCUMENTS READY IN ADVANCE KEEPS THE PROCESS MOVING.

STEP 05

QUOTES, TERMS & NEGOTIATION

YOU RECEIVE PRICING, COVERAGE STRUCTURE, EXCLUSIONS, AND CONDITIONS FROM CARRIERS. THIS IS NOT THE END OF THE CONVERSATION — IT IS THE BEGINNING OF THE NEGOTIATION. A SPECIALTY BROKER PUSHES BACK WHERE NEEDED, NEGOTIATES IMPROVEMENTS, AND ALIGNS COVERAGE WITH YOUR ACTUAL RISK.

REVIEW PRICING — IS IT COMPETITIVE AND REFLECTIVE OF THE ACTUAL RISK PROFILE PRESENTED?

REVIEW EXCLUSIONS — ARE ANY STANDARD EXCLUSIONS INAPPROPRIATE FOR YOUR OPERATIONS?

NEGOTIATE TERMS — PUSH BACK ON UNNECESSARY EXCLUSIONS AND IMPROVE COVERAGE WHERE POSSIBLE

MOST BROKERS ACCEPT THE FIRST QUOTE AS-IS. SPECIALTY ENVIRONMENTAL BROKERS NEGOTIATE. THIS IS WHERE PREMIUM DOLLARS — AND COVERAGE QUALITY — ARE WON OR LOST.

STEP 06

BINDING COVERAGE

ONCE YOU APPROVE TERMS, THE FINAL APPLICATION IS SIGNED, PAYMENT IS ARRANGED, AND THE POLICY IS ISSUED. THE POLICY DOCUMENTS AND CERTIFICATE OF INSURANCE ARE PROVIDED. THIS IS WHERE A PROPERLY BUILT SUBMISSION PAYS OFF — A CLEAN UNDERWRITING PROCESS PRODUCES A POLICY THAT ACTUALLY RESPONDS WHEN CLAIMS ARISE.

FINAL APPLICATION SIGNED — CONFIRMING ACCURACY OF ALL SUBMITTED INFORMATION

POLICY ISSUED — REVIEW CAREFULLY TO CONFIRM COVERAGE MATCHES WHAT WAS QUOTED

CERTIFICATES PROVIDED — FOR CONTRACT COMPLIANCE AND CLIENT REQUIREMENTS

SUBMITTING THE FORM DOES NOT BIND COVERAGE. SUBMITTING DOES NOT GUARANTEE A QUOTE. BUT IT PUTS YOU IN POSITION TO GET REAL OPTIONS — AND THAT IS THE NECESSARY FIRST STEP.

MASTER POLLUTION LIABILITY QUESTIONNAIRE

EVERYTHING AN UNDERWRITER NEEDS — ORGANIZED BY SECTION

THIS IS NOT A GENERIC INTAKE FORM. THIS IS THE STRUCTURED UNDERWRITING INFORMATION SET THAT DETERMINES YOUR PRICING, OPTIONS, AND WHETHER YOUR SUBMISSION IS APPROVED. CLICK ANY SECTION TO EXPAND THE FULL QUESTION LIST.

SECTION READINESS TRACKER — CHECK OFF SECTIONS YOU HAVE READY

0 / 11 SECTIONS READY

CHECK THE SECTIONS BELOW THAT YOU HAVE INFORMATION READY FOR TO SEE YOUR SUBMISSION READINESS LEVEL.

✓

GENERAL INFORMATION

12 ITEMS

▼

LEGAL BUSINESS NAME

DBA (IF APPLICABLE)

MAILING ADDRESS

PHYSICAL ADDRESS (IF DIFFERENT)

CONTACT NAME AND TITLE

PHONE NUMBER

EMAIL ADDRESS

WEBSITE

YEAR BUSINESS ESTABLISHED

YEARS OF EXPERIENCE IN INDUSTRY

DETAILED DESCRIPTION OF OPERATIONS — SPECIFIC, NOT GENERIC

ENTITY TYPE (LLC, CORP, PARTNERSHIP, ETC.)

✓

COVERAGE REQUEST

9 ITEMS

▼

TYPE OF COVERAGE: CPL / SITE PLL / TRANSPORTATION / OTHER

REQUESTED EFFECTIVE DATE

REQUESTED EACH-OCCURRENCE LIMIT

REQUESTED AGGREGATE LIMIT

DEDUCTIBLE / SELF-INSURED RETENTION PREFERENCE

ON-SITE CLEANUP COVERAGE NEEDED? (Y/N)

NON-OWNED DISPOSAL SITE COVERAGE NEEDED? (Y/N)

MOLD COVERAGE NEEDED? (Y/N)

ASBESTOS / LEAD COVERAGE NEEDED? (Y/N)

✓

OPERATIONS & EXPOSURE DETAILS

14 ITEMS

▼

A. GENERAL OPERATIONS

DETAILED DESCRIPTION OF SERVICES PERFORMED — NOT A GENERAL CATEGORY

PERCENTAGE BREAKDOWN OF OPERATIONS BY TYPE (MUST TOTAL 100%)

ANNUAL REVENUE

PROJECTED REVENUE — NEXT 12 MONTHS

NUMBER OF EMPLOYEES

B. MATERIALS & POLLUTANTS

DO YOU HANDLE, TRANSPORT, OR STORE HAZARDOUS MATERIALS? (Y/N)

LIST ALL CHEMICALS, FUELS, OR POLLUTANTS HANDLED

ESTIMATED QUANTITIES AND FREQUENCY OF HANDLING

C. WORK ACTIVITIES — CHECK ALL THAT APPLY

EXCAVATION / GRADING

DEMOLITION

HVAC / MECHANICAL

PLUMBING

UTILITY WORK

ENVIRONMENTAL REMEDIATION

WASTE HAULING

FUELING OPERATIONS

TANK INSTALLATION / REMOVAL

DRILLING / BORING

SITE DEVELOPMENT

✓

SUBCONTRACTORS

5 ITEMS

▼

DO YOU USE SUBCONTRACTORS? (Y/N)

PERCENTAGE OF WORK SUBCONTRACTED

DO YOU REQUIRE SUBCONTRACTORS TO CARRY GENERAL LIABILITY? (Y/N)

DO YOU REQUIRE SUBCONTRACTORS TO CARRY POLLUTION LIABILITY? (Y/N)

DO YOU COLLECT CERTIFICATES OF INSURANCE FROM SUBCONTRACTORS? (Y/N)

✓

SITE-SPECIFIC INFORMATION PLL / PROJECT-BASED

12 ITEMS

▼

SITE BASICS

SITE ADDRESS(ES)

CURRENT SITE USE

PRIOR SITE USE — CRITICAL: GAS STATION, INDUSTRIAL, DRY CLEANER, ETC.

YEAR BUILT (IF APPLICABLE)

ENVIRONMENTAL HISTORY

ANY KNOWN CONTAMINATION? (Y/N) — FULL DISCLOSURE REQUIRED

ANY PRIOR ENVIRONMENTAL REPORTS — PHASE I / II / III?

ANY REMEDIATION COMPLETED OR PLANNED?

STORAGE TANKS

ANY UNDERGROUND STORAGE TANKS (USTs)? (Y/N)

ANY ABOVE-GROUND STORAGE TANKS (ASTs)? (Y/N)

TANK DETAILS — AGE, CONTENTS, CAPACITY

NEIGHBORING EXPOSURES

ADJACENT INDUSTRIAL PROPERTIES?

WATER BODIES OR WATERWAYS NEARBY?

SENSITIVE RECEPTORS NEARBY? (SCHOOLS, HOSPITALS, RESIDENTIAL)

✓

TRANSPORTATION EXPOSURES IF APPLICABLE

6 ITEMS

▼

DO YOU TRANSPORT HAZARDOUS MATERIALS? (Y/N)

TYPES OF MATERIALS TRANSPORTED — SPECIFIC, NOT GENERIC

RADIUS OF OPERATIONS — LOCAL / REGIONAL / INTERSTATE

NUMBER OF VEHICLES AND VEHICLE TYPES

DRIVER QUALIFICATIONS AND TRAINING PROCEDURES

SPILL RESPONSE PROCEDURES IN PLACE? (Y/N)

✓

ENVIRONMENTAL CONTROLS & RISK MANAGEMENT

7 ITEMS

▼

WRITTEN ENVIRONMENTAL POLICIES IN PLACE? (Y/N)

SPILL PREVENTION AND RESPONSE PLAN? (Y/N)

EMPLOYEE TRAINING PROGRAMS? (Y/N)

FREQUENCY OF EMPLOYEE TRAINING

USE OF PROTECTIVE EQUIPMENT — DOCUMENTED? (Y/N)

EMERGENCY RESPONSE PROCEDURES IN PLACE? (Y/N)

THIRD-PARTY DISPOSAL PROTOCOLS AND APPROVED DISPOSAL SITES

STRONG CONTROLS = BETTER PRICING. WEAK CONTROLS = HIGHER PREMIUMS OR EXCLUSIONS. THIS SECTION IS WHERE UNDERWRITERS DECIDE HOW MUCH DISCIPLINE YOUR OPERATION HAS.

✓

CONTRACTS & RISK TRANSFER

5 ITEMS

▼

DO CONTRACTS INCLUDE HOLD HARMLESS / INDEMNIFICATION?

DO YOU ASSUME LIABILITY FOR POLLUTION IN CONTRACTS? (Y/N)

DO CLIENTS REQUIRE POLLUTION LIABILITY INSURANCE? (Y/N)

TYPICAL CONTRACT SIZE

LARGEST SINGLE CONTRACT SIZE

✓

CLAIMS, LOSSES & INCIDENTS CRITICAL

6 ITEMS

▼

ANY POLLUTION / ENVIRONMENTAL CLAIMS IN PAST 5 YEARS? (Y/N)

IF YES — DATE, DESCRIPTION, AMOUNT PAID OR RESERVED

3 TO 5 YEARS OF LOSS RUNS — NON-NEGOTIABLE

ANY REGULATORY VIOLATIONS OR FINES? (Y/N)

ANY KNOWN INCIDENTS NOT REPORTED AS FORMAL CLAIMS? (Y/N)

EXPLANATION OF ANY CLAIMS — ROOT CAUSE AND RESOLUTION STATUS

HIDING PRIOR CLAIMS WILL SURFACE DURING UNDERWRITING AND WILL KILL THE DEAL. DISCLOSE EVERYTHING AND EXPLAIN IT WELL. AN EXPLAINED CLAIM IS FAR LESS DAMAGING THAN A DISCOVERED ONE.

✓

REGULATORY & COMPLIANCE STATUS

3 ITEMS

▼

SUBJECT TO EPA OR STATE ENVIRONMENTAL REGULATIONS? (Y/N)

ANY CURRENT OR PENDING NOTICES OF VIOLATION?

ANY CONSENT DECREES OR REMEDIATION ORDERS?

✓

PRIOR INSURANCE CRITICAL

6 ITEMS

▼

CURRENT POLLUTION LIABILITY CARRIER

EXPIRING PREMIUM

EXPIRING LIMITS

RETROACTIVE DATE — CRITICAL FOR CLAIMS-MADE POLICIES

ANY PRIOR COVERAGE GAPS? (Y/N)

REASON FOR SEEKING NEW COVERAGE

THE RETROACTIVE DATE ON A CLAIMS-MADE POLICY IS ONE OF THE MOST IMPORTANT AND MOST OVERLOOKED PIECES OF INFORMATION IN THE ENTIRE SUBMISSION. NEVER LET THE RETROACTIVE DATE MOVE FORWARD WITHOUT UNDERSTANDING THE CONSEQUENCES.

WHAT WE NEED FROM YOU

THE NON-NEGOTIABLES — AND HOW TO GET THEM RIGHT

EVERY ELEMENT BELOW IS EITHER REQUIRED OR STRONGLY RECOMMENDED FOR A LEGITIMATE POLLUTION LIABILITY SUBMISSION. MISSING ITEMS DELAY QUOTES — OR KILL THEM ENTIRELY.

NON-NEGOTIABLE

📋

DETAILED OPERATIONS DESCRIPTION

"WE DO CONSTRUCTION" IS NOT AN OPERATIONS DESCRIPTION. UNDERWRITERS NEED EXACT WORK TYPES, MATERIALS HANDLED, PROJECT SIZES, AND ENVIRONMENTAL EXPOSURE POINTS. IF THIS IS VAGUE, EVERYTHING SLOWS DOWN — OR DIES.

NON-NEGOTIABLE

📊

3–5 YEARS OF LOSS RUNS

NO LOSS RUNS = DELAYED QUOTES OR NO QUOTES. THIS IS NON-NEGOTIABLE IN ENVIRONMENTAL UNDERWRITING. LOSS HISTORY IS ONE OF THE MOST HEAVILY WEIGHTED FACTORS IN THE ENTIRE SUBMISSION — AND CANNOT BE OMITTED.

STRONGLY RECOMMENDED

🛡

RISK MANAGEMENT & CONTROLS DOCUMENTATION

SPILL RESPONSE PLANS, EMPLOYEE TRAINING RECORDS, WRITTEN SAFETY PROCEDURES, AND DISPOSAL PROTOCOLS. STRONG CONTROLS MEAN BETTER TERMS. WEAK CONTROLS MEAN HIGHER PREMIUMS OR EXCLUSIONS.

STRONGLY RECOMMENDED

🏗

PROJECT OR SITE DETAILS

FOR CONTRACTORS: JOB SIZES, CONTRACT VALUES, AND PROJECT TYPES. FOR PLL: SITE HISTORY, PRIOR USE, KNOWN CONDITIONS, AND ENVIRONMENTAL REPORTS WHERE AVAILABLE. NO SITE HISTORY = UNDERWRITING HESITATION = WORSE PRICING.

STRONGLY RECOMMENDED

📁

PRIOR INSURANCE STRUCTURE

CURRENT CARRIER, EXPIRING PREMIUM, LIMITS, AND — CRITICALLY — THE RETROACTIVE DATE FOR CLAIMS-MADE POLICIES. THIS TELLS UNDERWRITERS WHETHER YOU ARE A STABLE RISK OR A PROBLEM ACCOUNT.

REQUIRED WHERE RELEVANT

🔬

ENVIRONMENTAL REPORTS (PHASE I / II / III)

FOR SITE-BASED (PLL) AND BROWNFIELD SUBMISSIONS, ENVIRONMENTAL REPORTS ARE EXPECTED. IF YOU HAVE THEM, INCLUDE THEM. IF YOU DO NOT, BE PREPARED TO EXPLAIN WHY AND WHAT IS KNOWN ABOUT THE SITE.

WHY POLLUTION QUOTES FAIL

THE MOST COMMON REASONS — AND HOW TO AVOID THEM

LET'S BE BLUNT. THESE ARE THE SPECIFIC, AVOIDABLE REASONS THAT POLLUTION LIABILITY SUBMISSIONS FAIL TO PRODUCE REAL QUOTES. EVERY ONE OF THEM CAN BE ADDRESSED WITH PROPER PREPARATION.

VAGUE OR INCOMPLETE OPERATIONS DESCRIPTION

SAYING "WE DO GENERAL CONTRACTOR WORK" OR "WE HANDLE ENVIRONMENTAL SERVICES" IS A DEAD END. UNDERWRITERS NEED TO UNDERSTAND EXACTLY WHAT YOUR BUSINESS DOES BEFORE THEY CAN UNDERWRITE IT. VAGUE DESCRIPTIONS PRODUCE CONSERVATIVE PRICING OR DECLINATIONS.

FIX: DESCRIBE EXACT WORK TYPES, MATERIALS, PROJECT SIZES, AND EXPOSURE POINTS.

MISSING LOSS RUNS

SUBMITTING WITHOUT LOSS HISTORY IS THE EQUIVALENT OF APPLYING FOR A LOAN WITHOUT A CREDIT CHECK. UNDERWRITERS WILL NOT PRICE AN ACCOUNT THEY CANNOT EVALUATE — AND LOSS HISTORY IS ONE OF THE MOST CRITICAL EVALUATION INPUTS.

FIX: OBTAIN 3–5 YEARS OF LOSS RUNS FROM YOUR CURRENT OR PRIOR CARRIERS BEFORE SUBMITTING.

UNDISCLOSED PRIOR ISSUES

ENVIRONMENTAL CLAIMS, REGULATORY VIOLATIONS, OR KNOWN CONTAMINATION THAT IS HIDDEN IN A SUBMISSION WILL SURFACE DURING UNDERWRITING. CARRIERS INVESTIGATE. WHEN DISCOVERY HAPPENS AFTER BINDING, THE POLICY CAN BE RESCINDED AND THE CLAIM DENIED.

FIX: DISCLOSE EVERYTHING. AN EXPLAINED CLAIM IS FAR LESS DAMAGING THAN A DISCOVERED ONE.

UNREALISTIC TIMELINES — "NEED IT TOMORROW"

ENVIRONMENTAL INSURANCE DOES NOT WORK LIKE AUTO INSURANCE. RUSHING THE PROCESS LIMITS MARKET ACCESS, DEGRADES PRICING, AND PRODUCES RESTRICTIVE COVERAGE. THE LAST-MINUTE RUSH IS ONE OF THE MOST EXPENSIVE MISTAKES AN INSURED CAN MAKE.

FIX: START THE CONVERSATION BEFORE THE DEADLINE — NOT THE DAY OF THE DEADLINE.

NO UNDERSTANDING OF THE EXPOSURE

ENVIRONMENTAL RISK IS LAYERED AND NUANCED. ACCOUNTS THAT CANNOT ARTICULATE THEIR OWN EXPOSURE — THE TYPES OF POLLUTANTS, THE NATURE OF THE SITES, THE RISK CONTROLS IN PLACE — SIGNAL TO UNDERWRITERS THAT THE OPERATION IS POORLY MANAGED.

FIX: USE THE MASTER QUESTIONNAIRE ABOVE TO ORGANIZE YOUR EXPOSURE NARRATIVE BEFORE SUBMITTING.

QUOTE & APPLICATION PROCESS — RELATED PAGES

USE THE LINKS BELOW TO REVIEW COVERAGE DETAILS, COST INFORMATION, COMPARISON PAGES, OR SPECIFIC PRODUCT PAGES BEFORE OR AFTER SUBMITTING YOUR APPLICATION.

COVERAGE & COST PAGES

WHAT POLLUTION LIABILITY INSURANCE COVERS & EXCLUDES POLLUTION LIABILITY INSURANCE COST & PRICING GUIDE CPL INSURANCE COST FOR CONTRACTORS

CORE PRODUCT PAGES

CONTRACTORS POLLUTION LIABILITY (CPL) INSURANCE SITE POLLUTION LIABILITY (PLL) INSURANCE TRANSPORTATION POLLUTION LIABILITY INSURANCE ENVIRONMENTAL PACKAGE INSURANCE

COMPARISON PAGES

POLLUTION LIABILITY VS GENERAL LIABILITY INSURANCE CPL VS POLLUTION LEGAL LIABILITY (PLL) INSURANCE ENVIRONMENTAL & POLLUTION LIABILITY INSURANCE HUB

FAQS

COMMON QUESTIONS — POLLUTION LIABILITY INSURANCE QUOTE & APPLICATION

HOW LONG DOES IT TAKE TO GET A POLLUTION LIABILITY QUOTE?

REALISTIC TIMELINES: SIMPLE CONTRACTOR RISKS WITH CLEAN SUBMISSIONS — 3 TO 7 BUSINESS DAYS. MODERATE COMPLEXITY ACCOUNTS — 1 TO 2 WEEKS. COMPLEX RISKS, PLL SUBMISSIONS, OR DISTRESSED SITES — 2 TO 6 WEEKS OR MORE. IF SOMEONE PROMISES AN INSTANT QUOTE ON POLLUTION LIABILITY, YOU ARE NOT GETTING REAL ENVIRONMENTAL COVERAGE.

DOES SUBMITTING AN APPLICATION BIND COVERAGE?

NO. SUBMITTING AN APPLICATION DOES NOT BIND COVERAGE, DOES NOT GUARANTEE QUOTES, AND DOES NOT REPLACE UNDERWRITING REVIEW. WHAT IT DOES DO IS PUT YOU IN POSITION TO GET REAL OPTIONS. COVERAGE IS BOUND ONLY AFTER A FORMAL QUOTE IS ACCEPTED, THE FINAL APPLICATION IS SIGNED, AND PAYMENT IS ARRANGED.

WHY DO I NEED 3–5 YEARS OF LOSS RUNS?

BECAUSE LOSS HISTORY IS ONE OF THE MOST HEAVILY WEIGHTED FACTORS IN ENVIRONMENTAL UNDERWRITING. UNDERWRITERS USE LOSS RUNS TO EVALUATE HOW YOUR OPERATION ACTUALLY PERFORMS IN REAL CONDITIONS — NOT JUST HOW IT IS DESCRIBED ON PAPER. NO LOSS RUNS MEANS NO MEANINGFUL UNDERWRITING EVALUATION, WHICH MEANS DELAYED OR DECLINED QUOTES.

WHAT IS A RETROACTIVE DATE AND WHY DOES IT MATTER?

A RETROACTIVE DATE ON A CLAIMS-MADE POLLUTION LIABILITY POLICY IS THE DATE BEFORE WHICH INCIDENTS THAT GAVE RISE TO CLAIMS ARE NOT COVERED. IF YOUR RETROACTIVE DATE MOVES FORWARD — AS CAN HAPPEN WHEN SWITCHING CARRIERS OR ALLOWING A GAP — YOU MAY LOSE COVERAGE FOR PRIOR OPERATIONS. THIS IS ONE OF THE MOST IMPORTANT AND MOST OVERLOOKED DETAILS IN ENVIRONMENTAL INSURANCE RENEWALS.

CAN I GET BETTER PRICING WITH A STRONGER SUBMISSION?

YES. UNDERWRITERS REWARD CLARITY AND OPERATIONAL DISCIPLINE. A SUBMISSION THAT CLEARLY EXPLAINS THE OPERATIONS, DEMONSTRATES STRONG RISK CONTROLS, PROVIDES COMPLETE LOSS HISTORY, AND GIVES UNDERWRITERS EVERYTHING THEY NEED TO MAKE A CONFIDENT DECISION CONSISTENTLY PRODUCES BETTER PRICING THAN A VAGUE OR INCOMPLETE SUBMISSION ON AN EQUIVALENT RISK. THE DIFFERENCE CAN BE SIGNIFICANT.

WHO IS KIG'S PROCESS BUILT FOR?

CONTRACTORS WITH REAL ENVIRONMENTAL EXPOSURE, DEVELOPERS AND REAL ESTATE INVESTORS, ENVIRONMENTAL CONSULTANTS AND ENGINEERS, WASTE HAULERS AND TRANSPORT OPERATIONS, AND INDUSTRIAL AND MANUFACTURING RISKS. ALSO BUSINESSES THAT HAVE BEEN DECLINED OR NON-RENEWED AND NEED A SPECIALTY BROKER WITH DEEP ENVIRONMENTAL MARKET ACCESS. IF YOUR RISK IS "OUT OF THE ORDINARY," YOU ARE IN THE RIGHT PLACE.

START YOUR POLLUTION LIABILITY APPLICATION

THIS IS NOT A GENERIC INTAKE FORM.

THIS IS A STRUCTURED UNDERWRITING SUBMISSION DESIGNED TO GET YOU REAL QUOTES, IMPROVE PRICING, REDUCE BACK-AND-FORTH, AND MOVE FASTER THROUGH UNDERWRITING. IF YOUR SUBMISSION IS STRONG, WE MOVE FAST. IF IT IS NOT, WE WILL TELL YOU EXACTLY WHAT NEEDS TO BE FIXED. EITHER WAY — YOU WILL KNOW WHERE YOU STAND. IF YOU WOULD RATHER TALK IMMEDIATELY, CALL / TEXT (412) 212-2800.

BOOK AN APPOINTMENT CONTACT US TODAY CALL / TEXT (412) 212-2800