Our underwriting team has a wealth of experience providing liability insurance solutions for difficult-to-insure environmental focused businesses.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you in one hour!

Target Environmental Classes

Dry Cleaners:

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

Minimum premium $3,500.

Environmental Contractors General Liability:

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

Minimum premium $7,500.

Environmental Contractors Pollution Liability Coverage:

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

Minimum premium $1,500.

Manufacturers General Liability:

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

Minimum premium $7,500.

Pollution Legal Liability:

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

Minimum premium $5,000.

  • 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.

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • $10,000,000 Capacity
  • Claims-Made and Occurrence forms available in most cases
  • Combined form available for Environmental Contractors
  • Deductibles can be tailored to individual risks
  • Excess and Layered Arrangements may also be considered


You can get Environmental coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick response time – receive a quote within hours
  • 12.5{241d69fb6cc1b5cacc5f3e2661eaf0e97e5fed421b543841c6865fd1a2ecc898} commission on new and renewal commercial accounts
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Applications required as appropriate (signed and dated by the insured when bound)
  • Environmental Application with a complete Description of Operations (signed and dated by the Insured when bound)
  • Five Year Summary of Losses with a description provided for large losses over $25,000
  • Internet website information
Send a Submission
Printable Environmental Information

Our Commercial Lines Team

Shea Hopkins, Division Manager
(804) 289-1359
LeAn Hatch, Senior Underwriter
(804) 774-2108

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