Inland Marine / Mobile Equipment for environmental contractors

Commercial property covers gear at a fixed location like your yard. An inland marine (mobile equipment) policy follows your equipment wherever it goes — jobsite, transit, staging — which is where remediation equipment actually lives and gets damaged or stolen.

We write mobile equipment at replacement cost so a stolen excavator or damaged HEPA vac is replaced new, not depreciated to pennies. That's the difference between staying on schedule and buying gear out of pocket.

Frac tanks, roll-off boxes, storage tanks, treatment trailers, filter presses, and other remediation equipment can all be scheduled. We build a schedule listing each major item and its replacement value, and you can update it as you add gear.

We build a schedule listing each major item — excavator, frac tank, HEPA vac, monitor — and its replacement value. You can update the schedule as you add gear. Accurate scheduling keeps premiums fair and claims fast.

Yes. Specialty remediation gear — HEPA vacuums, negative-air machines, air scrubbers, particulate and gas monitors, sampling equipment — is exactly what we schedule. These items are expensive and theft-prone, and replacement cost coverage keeps your crew working.

It can. We can extend coverage to borrowed and rented equipment — rentals are common for specialty gear, large excavators, or frac tanks. Tell us what you rent and we'll structure the coverage.

Once you provide a police report (for theft) and the schedule, equipment claims are typically paid quickly so you can replace gear and get back to work. We help you document to keep it moving.

Most environmental contractors pay $3,500–$12,000 a year for $1M/$2M general liability, plus a CPL policy from $2,500–$15,000+, with workers' comp rated on payroll by abatement class code. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes remediation and abatement crews from the Gulf Coast and Texas to the Rust Belt, California, and the Northeast.

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates — including pollution extensions, waivers of subrogation, and primary/non-contributory endorsements — usually within minutes.

The ISO general liability form contains a builtin Pollution Exclusion that removes coverage for bodily injury, property damage, and cleanup arising from pollutants. The only way to cover the pollution exposure is a separate Contractors Pollution Liability (CPL) policy — which is why CPL is the core policy for environmental contractors.

Asbestos abatement is typically class 5473, lead abatement around 5474 or 5403 with lead endorsement, mold remediation often 5403 or a specialty mold code, and hazmat handlers under codes like 6232 or 9015. Correct classification keeps you from overpaying or facing an audit surprise — and ensures claims aren't denied for misclassification.

Mobile and specialty equipment is covered under an inland marine (mobile equipment) policy, not GL or property. We schedule excavators, frac tanks, HEPA vacuums, air monitors, and confined-space gear at replacement cost so jobsite, transit, and overturn damage are covered.

Most carry $1M/$2M GL with a matching $1M/$2M CPL policy and a $2M–$5M umbrella. Refineries, Superfund primes, and government clients often require $5M–$10M combined limits plus additional-insured status with pollution extension. We size limits to your actual contract requirements.

Yes — and it must be rated for hazardous-material hauling. A generic contractor auto policy may deny a claim involving a contaminated load. We rate vacuum trucks, tankers, roll-offs, and super-suckers for the real remediation hauling exposure.

Often, yes. We have excess-and-surplus (E&S) environmental markets for contractors with loss runs, releases, cancellations, or tough exposures that standard markets decline.

Your GL and CPL don't cover independent subs — they should carry their own environmental coverage and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability or your pollution exposure.

You reach a person with context, not a queue. We respond within 2 hours, help you document the pollution condition, coordinate cleanup and defense with the carrier, and manage the claim so it's paid correctly and your operation keeps moving.

Environmental work has pollution, hazmat, and professional exposures that generic carriers exclude or misprice. A specialty broker knows the abatement class codes, the markets that write CPL, how to coordinate GL with the pollution exclusion, and how to manage a pollution claim.