Environmental Facilities Program (EFP)

Our Combined General Liability and Site Pollution Liability (EFP) package policy offers coverage for pollution events resulting in claims for third-party bodily injury, property damage, and cleanup costs emanating from a scheduled location and can be combined with Commercial General Liability coverage for an insured’s operations. This package policy features pollution coverage that is available for both new and pre-existing conditions.
The EFP package policy may be underwritten for a variety of industry groups involved with waste disposal and recycling including:
  • Landfills
  • Solid waste facilities
  • Recycling facilities
  • Transfer stations
  • Incinerators
  • Land farms
  • Composting facilities
Policy Features
  • Coverage is written through an A.M. Best A++ XV rated carrier
  • Site Pollution is claims-made and reported
  • Location/site specific
  • Site Pollution coverage includes: off-site third-party cleanup costs as well as third-party on/off-site bodily injury, and property damage. General Liability available for eligible classes
  • Covers new and pre-existing conditions (either can be deleted by endorsement)
  • Coverage enhancements include non-owned disposal site and transportation of waste (no financial responsibility)
  • Limits up to $5M available
  • Minimum premium: $2,000
  • Commercial General Liability offers bodily injury and property damage coverage under an ISO CG 04 13 occurrence form
Submission Requirements
  • ALTA Site Pollution Liability Application (or other eligible carriers’ applications)
  • ACORD General Liability Application
  • Five (5) year summary of losses
  • Internet website Information