Environmental Casualty Package Coverage (E-PAC)SM

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Environmental Casualty Package Coverage (E-PAC)SM

Tokio Marine Specialty's Environmental Casualty Package Coverage (E-PAC)SM combines Commercial General Liability coverage and Contractors Environmental protection with optional Professional liability and Excess coverages to create a comprehensive coverage package for the environmental contracting and consulting industry. This multi-coverage approach protects the Insured from loss arising from general liability, professional and pollution exposures related to contracting operations or consulting services, including transportation or waste disposal. A Commercial General Liability and Premises Environmental coverage package for fixed sites will be available later in 2017.

Quick Reference Guides

Claim Scenarios

Contracting Service Firms
Target Classes

($250,000 - $50M annual revenue)

1. Environmental Contractors and Consultants:

  • Soil & Groundwater
  • Air Pollution Control
  • Asbestos, Lead, Mold, Radon
  • Wetlands, Habitat, Habitat Restoration, Endangered Species
  • Storage Tank Removal, Installation and Design
  • Landfill Construction
  • Emergency Spill Response
  • Industrial Cleaning Services
  • Environmental Laboratory Service
  • Drillers specializing in Environmental Sampling and Groundwater Well Construction
  • Expert Witness

2. Solar Contractors and Consultants
3. Green and Alternative Energy Contractors and Consultants
4. Limited Onshore Oil Gas ⁄ Field Consultants and Contractors

Note: Coverage for Contracting Risks is not available in the states of New York and Louisiana


Supplemental Applications

Documents Required for Proposal

  • Completed E-PAC Primary Coverage application or competitor's application
  • Completed ACORD applications (i.e. Auto schedules, Umbrella apps) as applicable
  • Last 3 years of Environmental, GL and Professional loss runs
  • Completed E-PAC Excess Follow Form application or competitor's application
  • Last 3 years of Environmental, GL, Professional, and Commercial Auto loss runs
  • Two year most recent Financial Statements, including notes or; Two year most recent Profit & Loss Statement and Balance Sheet

Policy Forms

Available Coverages

  • Commercial General Liability
  • Professional Liability
  • Contractors Environmental
  • Transportation Environmental
  • Non-owned Location (for disposal sites)
  • Premises Environmental for insured’s equipment storage yards / business properties
  • Image Restoration
  • Completed Operations
  • Emergency Expense
  • Follow Form Excess

Coverage & Capacity

  • Primary Coverages: Up to $5M per occurrence, claim or incident and $5M aggregate
  • Excess Follow Form Coverage: Up to $10M
  • Combined Primary Package and Excess Limits cannot exceed $11M