Origin Specialty Expands SitePrep GL Program With Higher Limits and Environmental Protection for Site-Preparation Contractors

Enhanced program gives wholesale brokers a stronger solution for excavation, grading, drainage, demolition, paving, and related contractors facing growing contractual demands and pollution exposures from routine site work.

ROLLING MEADOWS, Ill.--(BUSINESS WIRE)--Origin Specialty Underwriters Agency, LLC (“Origin Specialty”), a Beyond Risk company, today announced an expansion of its SitePrep GL Program, adding new higher limits and available environmental protection for site-preparation and horizontal construction contractors.

The enhanced program is designed to help wholesale brokers address two increasingly important challenges in the site-preparation market: higher contractual insurance requirements and pollution exposures that can arise from everyday contractor operations such as excavation, grading, hauling, underground utility work, stormwater runoff, and soil disturbance.

Origin Specialty’s enhanced SitePrep program now offers $2 million occurrence / $4 million general aggregate / $4 million products-completed operations aggregate limits, along with available Contractors Pollution Liability protection for eligible accounts. The program gives wholesalers a stronger option to retain key accounts, win new business, and help clients close important coverage gaps that standard General Liability policies may not fully address.

“Site-preparation contractors do not have to be environmental contractors to face environmental claims,” said MaryBeth Schram, VP and Head of Construction at Origin Specialty Underwriters. “A diesel spill, hydraulic fluid release, sediment runoff event, contaminated soil allegation, or disposal-site dispute can create immediate cleanup costs and third-party liability concerns. This enhancement gives brokers a more complete way to address those exposures while also responding to the higher-limit and contractual demands we are seeing in the market.”

Horizontal construction contractors are often exposed to environmental risk through ordinary jobsite activity. A contractor may overfill a bulldozer during refueling, rupture a hydraulic line near a drainage ditch, move contaminated soil during grading, or send spoils to a disposal site that later raises contamination allegations. These incidents can lead to cleanup costs, regulatory demands, bodily injury claims, property damage claims, and reputational concerns.

Origin Specialty’s SitePrep environmental protection enhancement is designed to help address covered pollution conditions arising from the contractor’s work, subject to underwriting approval and policy terms, conditions, exclusions, limits, and retentions.

SitePrep Program Highlights

Origin Specialty’s enhanced SitePrep GL Program offers wholesale brokers:

• New higher GL limits, up to $2M occurrence / $4M general aggregate / $4M products-completed operations aggregate
• Available Contractors Pollution Liability protection for eligible SitePrep accounts
• Per-project aggregate available with no cap
• Blanket Additional Insured, including completed operations, where required by written contract
• Blanket Waiver of Subrogation and Primary Non-Contributory coverage available
• A- X excellent-rated, non-admitted carrier
• Environmental protection for covered pollution conditions involving fuel spills, hydraulic fluid releases, sediment or stormwater runoff, contaminated soil movement, hauling or transport of spoils, and non-owned disposal site allegations
• Optional Employee Benefits Liability coverage

The program is intended for a broad range of site-preparation and horizontal construction classes, including excavation and grading of land contractors, debris removal, wrecking and demolition, concrete construction, driveway and parking area paving, drilling, horizontal drilling, conduit construction, water mains, irrigation and drainage system construction, septic tank installation, landscape gardening, and fence erection.

“Wholesale brokers need markets that understand the real-world work their clients perform,” Schram added. “Origin Specialty’s SitePrep program is built around practical underwriting, fast execution, and a clear understanding of the risks contractors face in the field.”

When Brokers Should Consider SitePrep Environmental Protection

Brokers should consider offering environmental protection when a SitePrep account involves:

• Excavation, grading, debris removal, or similar site work
• Work near storm drains, waterways, wetlands, creeks, rivers, or drainage systems
• Fuel stored or used on-site
• Hauling of soil, debris, or spoils
• Customer fill, development, or contaminated-site exposure
• Contractual environmental insurance requirements

Complete submissions should include completed and signed ACORD applications, a completed and signed Origin SitePrep Supplemental Questionnaire, FEIN, five years of currently valued hard-copy loss runs, and owner bio or resume.

Brokers interested in learning more about the enhanced SitePrep GL Program or discussing an eligible submission may visit the SitePrep program page or contact MaryBeth Schram at [e-mail].

About Origin Specialty Underwriters, a Beyond Risk Company

Headquartered in Rolling Meadows, Illinois, Origin Specialty Underwriters is a leading national Managing General Agent specializing in tailored insurance solutions for traditionally underserved, hard-to-place risks. With a primary focus on the construction, hospitality, restaurant, and farm and ranch industries, Origin redefines the specialty insurance landscape through a client-focused approach, innovative underwriting, and in-house operational and claims expertise.

Origin is a proud partner company of Beyond Risk Management, Inc. (“Beyond Risk”), a comprehensive independent risk management solutions provider. Built on transparency, trust, and integrity, Beyond Risk serves as a dynamic platform and incubator that empowers partner companies and industry entrepreneurs to design, launch, and scale new specialized insurance programs. Together, they are dedicated to helping middle-market and SMB clients effectively manage their most complex risks.

For more information, visit www.origin-specialty.com and www.beyondrisk.com.

Coverage Disclaimer: Policies are administered by Origin Specialty Underwriters Agency, LLC, an Illinois limited liability company located at 1701 Golf Rd, Rolling Meadows, IL 60008. Not all coverages or products may be available in all jurisdictions. Some products being advertised may be non-admitted. Descriptions of products in this release are for informational purposes only, and actual coverages will vary based on local law requirements and the terms and conditions of the insurance policy issued. Environmental coverage is subject to underwriting approval and policy terms, conditions, exclusions, limits, and retentions.