Protect your environmental consulting firm from claims arising from professional services. Our E&O policies cover errors, omissions, and negligent acts with limits up to $15 million.
Environmental consultants professional liability insurance, also called errors and omissions (E&O) coverage, protects your firm when a client claims your professional work caused them harm. This could be a missed contaminant in a site assessment, an error in a remediation plan, or a mistake in regulatory compliance advice.
This policy responds to claims arising from your professional services, including:
Environmental consultants face unique professional risks that general liability does not cover. Consider these scenarios:
This coverage can also be combined with a Contractors Pollution Liability (CPL) policy for firms that perform hands-on remediation work in addition to consulting.
Environmental consultants E&O is designed for a wide range of environmental professionals and firms, including:
Asbestos/Mold/Lead Testing
Environmental Labs
Tank & Cathodic Testing
Phase I/II/III Assessments
Regulatory Compliance
Air Quality Monitoring
Remedial Design & PM
Environmental Sampling
Expert Witnesses
Non-Destructive Testing
Radon Contractors
Permitting Consultants
Legal defense costs are paid in addition to your policy limits, so your full coverage amount stays available for paying claims and damages.
Each project gets its own aggregate limit. A large claim on one project will not reduce the coverage available for your other projects.
Covers pollution incidents that happen while transporting samples, materials, or waste between job sites and disposal facilities.
Covers the costs of immediate emergency response actions needed to prevent or reduce harm from a pollution event discovered during your work.
Covers liability from contamination at third-party disposal sites where your clients' waste was sent based on your professional recommendation.
Covers costs you incur to fix or reduce the impact of an error before it becomes a formal claim. This can save significant money by catching problems early.
$15M/$15M
Policy limits available
$1,500
Minimum premium starting around
3-5 yr
Multi-year terms available
Claims-Made
Coverage basis
These additional coverages can be added to your E&O policy for more complete protection.
Covers pollution from vehicles you rent or employees' personal cars used for business purposes.
Coverage for claims involving low-level radioactive and mixed waste materials encountered during environmental work.
Extends your policy to cover claims related to mold assessment, testing, and remediation consulting work.
Covers claims for damage to natural resources like wetlands, waterways, and wildlife habitats affected by your work.
Covers claims for mental anguish and emotional distress caused by pollution events connected to your professional services.
Bundle your professional liability with contractors pollution liability for firms that also perform hands-on remediation work.
Here are some common situations where environmental consultants E&O coverage would respond.
A consulting firm completes a Phase I environmental site assessment for a commercial property buyer. After the sale, underground contamination is found that was not identified in the report. The buyer sues the consultant for the cleanup costs.
An environmental engineer designs a groundwater treatment system that fails to reach cleanup goals. The property owner has to pay for a redesigned system and extended treatment period. They bring a claim against the consulting firm for the extra costs.
A consultant advises a client that their facility meets all regulatory requirements. A state agency later finds violations and issues fines. The client sues the consultant for the cost of fines and the work needed to reach compliance.
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Depending on your firm's services, you may also benefit from these coverages.
For firms that perform hands-on remediation, abatement, or field work in addition to consulting services.
Bundle your general liability, pollution, and professional liability into a single convenient policy package.
Additional limits above your primary E&O policy for larger firms or those working on high-value projects.
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