Environmental Casualty Package (E-PAC)

PHLY E&S Environmental Casualty Package (E-PAC) provides comprehensive casualty, environmental and professional protection.

Benefits of the Program

PHLY's Environmental Casualty Package (E-PAC) protects the insured from claims for third party liability, acts and errors or omissions, and/ or contamination that arise from contracting operations, completed operations and professional services performed by the insured or on their behalf. E-PAC also provides environmental liability coverage for transportation of waste or materials to and from project sites or yards, disposal and recycling of waste or materials from their job sites or yards, and contamination released at the insured's owned or leased locations.

  • General Liability Coverage for operations and premises available on a claims-made or occurrence basis
  • Professional Liability Coverage available on a claims-made basis
  • Contractor Environmental Coverage available on a claims-made or occurrence basis
  • Premises Environmental Coverage for owned & leased locations
  • Defense Expense
  • Follow Form Excess
  • Transportation
  • Non-Owned Location Coverage (for disposal sites)
  • Image Restoration
  • Emergency Expense
  • Mold Coverage available on a claims-made or occurrence basis
  • Illicit Abandonment
  • Protective and/ or Mitigation available
  • Project Coverage up to a three year term available including completed operations or extended reporting period structures are available

Coverage & Capacity

Primary Coverages (CGL/ PL/ CEC): $5M per occurrence/ $5M aggregate
Excess Follow Form Up to $10M
Combined Primary and Excess Up to $11M in total aggregate

Target Classes

  • Environmental Contractors and Consultants
  • Solar Contractors and Consultants
  • Green and Alternative Energy Contractors and Consultants
  • Limited Onshore Oil & Gas Contractors and Consultants

Unacceptable Classes

  • Architectural & Engineering Risks
  • Miscellaneous Professional Risks
  • Mining Engineering or Consulting
  • Geotechnical Engineering or Consulting
  • Oil/ Gas Engineering
  • Over-the hole or down-hole oil/ gas contracting
  • Off-shore oil /gas risks
  • Manufacturing or distribution risks

Underwriting Contact

Michael Henk, AVP & Product Manager

Michael.Henk@phly.com

For new business inquiries, please call 855.585.6322 or submit an application to: ESsubmissions@phly.com.

Documents Required for Proposal

  • Completed and signed E-PAC application or competitor's application
  • Completed ACORD application as applicable
  • Last 3 years of GL, AL Environmental and Professional loss runs
  • Completed EPAC Excess application or competitor's application
  • Two years most recent Financial Statements

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