Freberg Environmental Insurance Rolls Out Nationwide Unsupported Excess Liability Program – $10M Limits Now Open to Businesses Everywhere
CHICAGO, IL – In an era where environmental risks can sink a company overnight, Freberg Environmental Insurance just dropped a game-changer: a first-of-its-kind unsupported excess liability program that’s now live across all 50 states. If you’re in construction, consulting, or any field brushing up against pollution perils, this could be the safety net your operations have been missing.
Freberg Environmental launch is making waves in insurance circles, tying right into hot searches like unsupported excess liability program, environmental insurance 2025, nationwide excess coverage, contractors pollution liability expansion, and business risk management tools. Announced late yesterday by the Chicago-based managing general underwriter (MGU), the program kicks off with flexible limits up to $10 million per occurrence, designed to layer seamlessly over primary policies from Freberg or competitors alike. It’s a direct response to the spike in claims from climate-driven incidents – think oil spills, site cleanups, or regulatory fines that balloon beyond standard coverage.
At its heart, this initiative builds on Freberg’s core strength: tailored environmental protections for engineers, contractors, and consultants. Since 2018, the firm has carved a niche in specialty lines, underwriting everything from general liability to environmental impairment liability. This new excess layer – dubbed the Unsupported Excess Liability (UXS) program – fills a gap for mid-market players who need that extra buffer without the hassle of full-site inspections or sky-high deductibles. Premiums start competitive, with quick-turn quotes available online via their portal at feiinsurance.com, and no territorial blackouts mean even remote ops in Alaska or Hawaii can tap in.
The rollout comes at a pivotal time. U.S. environmental claims hit a record $15 billion in 2024, per industry trackers like Verisk, fueled by stricter EPA rules and more frequent extreme weather. Freberg’s CEO, Mark Freberg, highlighted the program’s edge in a release: “We’re not just insuring risks – we’re empowering businesses to grow without fear. This UXS setup lets clients stack coverage efficiently, covering pollution events, professional errors, or third-party damages that primary policies can’t touch.” It’s underwritten through select A-rated carriers, ensuring rock-solid backing.
Diving into the specs: Coverage attaches above limits as low as $1 million, with options for annual aggregates or per-project terms. It bolsters attachments like contractors pollution liability (CPL), site pollution policies, and even professional liability for environmental pros. Exclusions are standard – no intentional acts or known pre-existing hazards – but the real draw is the “unsupported” angle, meaning it doesn’t require the primary insurer’s sign-off, speeding up binding to as little as 48 hours.
Industry watchers are buzzing. Tom Reynolds, a senior analyst at Ryan Specialty Group – Freberg’s parent outfit – called it “a smart evolution in excess markets, especially as cat losses climb 20% year-over-year.” On LinkedIn, brokers are sharing early wins: one Dallas-based environmental consultant posted about layering $5 million excess over their CPL for a pipeline project, praising the “hassle-free” process. Forums like Insurance Journal’s thread from this morning show a split – some hail it as “long overdue for SMEs,” while others gripe about rising rates overall, with one user noting, “Great product, but hope it doesn’t jack up primaries.”
For U.S. businesses, the stakes couldn’t be higher. This program lands amid economic headwinds: small firms, which make up 99% of U.S. employers per SBA data, often skimp on excess layers due to cost, leaving them exposed to lawsuits that average $250,000 in defense alone. In tech-savvy sectors like renewable energy or waste management, it’s a lifeline – imagine a solar farm hit by a chemical leak; this could cap liabilities before they derail expansion. Politically, it aligns with Biden-era pushes for green infrastructure, where federal grants demand robust risk transfer. On the lifestyle front? It frees owners from sleepless nights over “what ifs,” letting them focus on innovation over litigation.
Public sentiment leans practical. A quick poll on X from insurance influencers shows 68% of 1,200 respondents viewing it as a “must-have” for 2026 budgets, with comments like “Finally, excess that doesn’t ghost small accounts.” No major backlash yet – it’s niche enough to fly under consumer radar – but expect chatter as word spreads to general contractors nationwide.
User intent here is crystal: decision-makers hunting scalable protection amid uncertainty. Freberg’s team is managing rollout with webinars next week and broker incentives, keeping momentum steady without overpromising.
As adoption ramps, this Freberg Environmental launch signals a broader shift – excess markets adapting to eco-risks that touch every corner of American enterprise. With environmental insurance 2025 projections eyeing double-digit growth, programs like UXS aren’t just options; they’re essentials for staying afloat in a warming world.
By Sam Michael
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