That Cheaper Auto Quote Could Cost Your Client More

When it comes to Auto Liability for environmental risks, the lowest quote rarely tells the whole story. Before your insured binds, make sure you’re comparing coverage, not just cost, because the wrong policy can leave critical gaps when it matters most.

Here’s what to watch for:

• Re-rating mid-term: Some Auto carriers are adjusting premiums on existing policies mid-policy period, leaving your insureds with unexpected costs.
• Missing pollution coverage: Many standard market quotes don’t include it. For environmental contractors and consultants, that’s a critical gap.
• Required filings: MCS-90, BMC-91X, Form E. Standard carriers often can’t accommodate these, putting compliance at risk.
• Multi-state operations: If your insured garages autos in multiple states, standard carriers may not be able to cover them all under a single policy.

PartnerOne Environmental writes Auto alongside General Liability, Pollution, Excess, and Workers Compensation, delivering a cohesive, total-account solution.

Get started today. Reach out to the PartnerOne Environmental Team for a quote. Tell us about your account.

Recent Account Wins

• $963k Environmental contractor performing soil remediation, UST tank removal, environmental sampling, and site assessments purchased GL, Contractors Pollution & Professional, and Non-Owned Disposal Site Coverage ($1M/$2M) for $12,348.
• $3.5M Environmental remediation and emergency response contractor purchased GL/Contractors Pollution & Professional, including Mold, Transportation Pollution Liability, NODs and Sudden & Accidental Site Pollution ($1M/$2M) for $20,000.
• $7M Fire & water restoration services business purchased Contractors Pollution & Professional, Mold, Transportation Pollution Liability, Emergency Response, and Crisis Management ($1M/$2M) for $13,000.
• $3.5M Non-profit organization specializing in recycling food waste purchased GL/Contractors Pollution & Professional ($1M/$2M) and Excess ($2M/$2M) for $30,377. The PartnerOne Team requoted this account multiple times over a 3 month period to get the insured exactly what they needed, as well as accounting for an open claim.

Connect with our team today to discuss an account, go over potential new business opportunities, or get coverage information.