Select Country:
      Environmental Casualty:
NP3 sm General & Environmental Liability (Mfg. & Distributors)
Energy & Engineering
Inland Marine
Primary Casualty
Excess Casualty
Management Liability
Professional Liability
Property & Casualty
Navigators Re
Environmental Casualty
Contractors Pollution Liability
Site Pollution Legal Liability
NP3 sm General & Environmental Liability (Mfg. & Distributors)
NP4 sm General, Environmental & Professional Liability (Env'l Consultants)
Environmental Excess
Protection & Indemnity

It is no longer prudent for manufacturers or distributors of products to assess their general casualty and environmental liabilities independently.  Products that are seemingly innocuous—such as drywall—have turned out to have severe pollution potential.  Trying to structure a standard Commercial General Liability (CGL) policy to cover both the traditional (products & premises) and pollution exposures faced by manufacturers and distributors is, at best, complex, time-consuming and fraught with coverage pitfalls created by the interaction amongst multiple policies.   Navigators’ “NP3” (Premises, Products and Pollution) liability insurance integrates traditional ISO-based CGL coverage with a full suite of environmental coverages in a single policy.


Customer Profile:

  • Product Manufacturers and Distributors
  • Other Fixed Facility Operations (recycling, waste disposal, etc.)

Minimum Premium: $25,000 


Capacity: $26M  


Distribution: Open Brokerage 


Territories where this product can be provided: All U.S. 


Key Features:

  • Coverage 1: ISO-based Primary General Liability Coverage:

    Affirmative insuring agreement for Products Pollution; Pollution from a Hostile Fire

        or Building Equipment

    Employee Benefits Administration Liability

    Crisis Management Coverage

  • Coverage 2: Full Suite of Environmental Liability Coverages:

    Contractors Pollution Liability

    Transportation Pollution Liability (including misdelivery)

    Waste Disposal Site Liability

    Pollution Liability for Your Sites

    Environmental Crisis Management Coverage

  • Coverage 3: Excess Liability Coverage:

    Applies over the General Liability Coverage or over other scheduled underlying

        insurance (Primary Auto, Employers Liability, Foreign Package, etc.)

Submission Guidelines:

  • Cover letter stating general description of operations, current carrier, premium, target premium
  • Application (Navigators or Accord) and any supplemental application requirements specific to the particular class of business
  • Loss summary along with hard copy currently valued company/TPA loss runs for minimum of past five years
  • Minimum five years of historical revenue or payroll
  • Product brochures or reference to web site
  • Financials are required for specific classes or for high retention placement
  • With Respect to Coverage 3 Excess – underlying policies
  • Auto – Full primary auto submission with list of vehicles, drivers, and auto loss


    Copy of binders and/or policies that the insured is seeking to schedule as an




Information contained herein is for informational purposes only and shall not constitute an offer.  All coverages may not be available in all locations.  Only the policy itself can confer specific coverage and benefits.  Contact your Navigators representative for more information.

Adam Dodge    (212) 613-4309
Brett Schoech    (612) 605-6066
Christopher McKenna    (212) 613-4247
Dan Sportiello    (312) 506-5165
Jasmine Lee    (415) 217-8572
Joy Christie    (312) 506-8157
Virgil Tam    (847) 285-9090
Brad Kuchinic  President  (312) 506-8175