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Environmental Multi-Line (Primary & Excess)

Arch Insurance Group's EMP policy provides coverage for Environmental Contractors and Consultants requiring multiple coverages in a single, integrated policy. The policy form provides insureds and brokers with flexibility of coverage, limits, deductibles and coverage triggers in one easy to understand package. The Arch EMX policy provides follow form excess coverage over the EMP. It may also sit excess of Employers Liability and Auto Liability subject to underwriting acceptance (minimum underlying of $1 million applies).


  • Environmental Contractors
  • Environmental Consultants
  • Environmental Project Managers
  • Emergency Response Contractors
  • Remediation Contractors
  • Environmental Engineers


  • CGL is available on a claims made or occurrence form
  • Contractors Pollution Liability (CPL) coverage part can be occurrence or claims made (independent of CGL trigger selection)
  • Professional Liability (PL) coverage part provides claims made protection for negligent acts, errors or omissions arising out of professional services
  • Separate coverage part for liability arising out of mold
  • Inclusion of table of contents in EMP form facilitates ease of understanding of policy package
  • EMP declarations page has all coverage limits and deductibles clearly described by coverage part
  • Aggregate is typically shared by all coverages other than Completed Operations, which has its own aggregate
  • Option for separate aggregates for CGL and Pollution/Professional available
  • Policies may be written on a practice or project-specific basis


We realize that risk management is a critical element to a successful business strategy. Therefore, we help our policyholders manage risk by providing complimentary informed guidance and value-added services, including:

  • Quick turn-around contract reviews
  • Environmental Briefings newsletters and publications
  • Risk management workshops, presentations and guidance
  • Pre-claims assistance


Limits of liability up to $15 million


Select retail and wholesale producers


Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.