About Toxic Insurance

Toxic Insurance is a specialty division of Contractors Choice Agency, an insurance agency founded in 2005 and dedicated to placing hard-to-write commercial and environmental risk.

Environmental contractors are among the hardest businesses to insure. A standard general liability policy carries an absolute pollution exclusion — and a separate fungi exclusion for mold — so the core of an abatement, remediation, or demolition operation is uninsured under a generic policy. The real exposures — fiber and dust release, contaminated soil, a transit spill, a long-tail toxic-tort claim that surfaces years later — scare off generalist carriers entirely.

Our approach is straightforward: understand your operations, shop the specialty environmental carriers that knowingly write your class, and structure Contractors Pollution Liability, environmental GL, professional E&O, and transportation and site pollution into one program — with the certificates, additional insured endorsements, and claims-made retro dates your contracts and your future claims require.