VAP Environmental Insurance

A New Incentive to Encourage Brownfield Redevelopment

Are you concerned about liability risks and financial risks associated with conducting a brownfield cleanup as the volunteer or the grant holder?

Are you worried about exceeding your contingency funds if you end up finding contamination during the brownfield cleanup that was unexpected at the beginning?

Are you concerned about neighbors filing a lawsuit against you if contamination has migrated off your site?

If any of these worries sound familiar, the discounted VAP Environmental Insurance (EI) Incentive may be just what you’re looking for! VAP EIP will allow eligible applicants to obtain environmental insurance with a 10 percent discount on the premium cost. Call Ohio EPA and see how you can obtain discounted Environmental Insurance through the VAP Process.

What is Environmental Insurance?

Environmental insurance is a risk management tool for brownfield project financers and/or sponsors to transfer their risk to the insurer (insurance company) for potential clean up costs or liability related to environmental conditions at a property or project.

There are two common types of environmental insurance:

  • Cost Cap (CC)
    CC insurance is used to cover cost overruns when planned remediation ends up costing more than anticipated. CC insurance can be very expensive and will not be offered by Ohio EPA’s Voluntary Action Program (VAP).
  • Pollution Legal Liability (PLL)
    PLL insurance focuses primarily on the costs and risks associated with potential contamination both on and off the property, as well as unanticipated contamination found during site cleanup and/or redevelopment.
Ohio EPA will offer PLL insurance under the new VAP EIP.

PLL environmental insurance can be used to:

  • replace an escrow for the unexpected cost of remediation, which would insure against:
  • the chance of discovering new contamination;
  • third party lawsuits/claims; and/or
  • the environmental legacy of the operation.
  • fill liability gaps created by contaminant exclusions not covered under the VAP (asbestos, lead paint);
  • provide protection from costs that could destabilize your business or municipal budget due to unexpected cleanup;
  • provide a tool to establish financial stability for estimated clean-up costs; and/or
  • address liability concerns and costs for Natural Resource Damage Assessments (NRDA) that are not covered under the VAP.

Environmental insurance coverage is not restrictive and may not be as expensive as you think. Policies are flexible and coverage can be customized to address your needs. There are a wide range of possibilities available that can fit your budget and mitigate or eliminate specific risks.

VAP Environmental Insurance Process

  • The VAP will complete a technical assistance review based on participating insurance carrier guidelines.

  • On completion of the review, the VAP will issue a technical assistance comment letter, identify if a project has certain elements an underwriter may need to review for development of the policy quote and provide a list of additional documents the applicant will need to include with the insurance application.

  • With the assistance of their insurance broker and the information provided the applicant will be ready to develop an application package to solicit quotes (which will include the 10 percent discount) for insurance under the EIP.

  • The VAP will ensure that insurance companies participating in the EIP are in good standing financially, are in compliance with Ohio insurance regulations and are willing to offer a 10 percent discount on premiums for program participants.

Request Entry Forms

Frequently Asked Questions

Who is eligible?

  • Eligible applicants include VAP volunteers, developers, property owners, financers and any other entity who has any liability risk in the property.

How can I participate?

  • To participate in the EIP, eligible applicants mu st provide a notice letter to the VAP stating that they wish to obtain environmental insurance.
  • Related voluntary action information (for example Phase I, Phase II or Remedial Action Plan) must be included with the letter.

Why would I need Environmental Insurance?

  • If you can’t pay the premium, how can you pay for the costs of the unexpected?
  • When the unexpected occurs, will your contingency fund cover associated costs? What if a neighbor sues for bodily harm or property damage due to a contamination plume coming from your site?
  • Environmental insurance can help cover unexpected costs and liability for unknown and newly discovered contamination at your site.
  • Example – Your city or business has purchased a brownfield property for redevelopment. The Phase I assessment noted a loading/unloading area, but the consultant/ Certified Professional expects that only solvents will be found on the property. This area is near the property line and adjacent to a low-income apartment complex. The Phase II sampling found no solvent contamination, but rather a plume of PCBs that are migrating toward the apartment complex. Unexpected risks include the additional cost of assessment and remediation of this new PCB plume and potential liability for off-site receptors.
  • Is your contingency fund adequate to cover this situation when expected costs for the project might triple?
  • Environmental insurance can take care of the clean-up costs for this and similar situations.

Why would I need Environmental Insurance if I don’t own the site?

  • If you are helping to fund the project in any way, you have a risk in the project.
  • What if the developer discovers a large plume and can’t afford to finish the project? Who holds the ultimate responsibility to repay the grant funds if the project is not completed?
  • Also, anyone involved in the cleanup may also be within the liability chain for a third party lawsuit.
  • An environmental insurance policy can be viewed as another contingency fund. It can also support efforts to obtain loans, and can be used as match money for some grant applications.
  • If the municipality has been awarded a U.S. EPA brownfield grant, the environmental insurance premium can be paid through the grant.

What Roles do Ohio EPA, Insurance Companies, and Insurance Brokers all play in this new program?

  • The Ohio EPA’s role will be that of facilitator and educator. We are not in the insurance business and don’t have the expertise in this field. As such, we have limited our involvement to educating volunteers, with the assistance of the insurers, and conducting technical reviews of VAP investigative and remedial work to facilitate bot h the participant and the insurer such that the participant receives insurance coverage that meets their needs at a discounted premium.
  • The insurance broker is a “specialty environmental wholesaler” of environmental insurance who has documented education, training, and experience in the diverse types of insurance products and coverages available. The participant works with the broker to obtain the best insurance coverage at the best rate. When selecting a broker, the participant must be comfortable with the broker’s knowledge and experience with environmental insurance. Ohio EPA has a link to the Ohio Department of Insurance to aid in your identification of perspective brokers/agents in your area as well as a questionnaire you may use to help you interview various brokers to find the one that best meets your needs.
    - This information can be found on the Resources tab
  • Ohio EPA has negotiated with certain insurance companies to provide a discount under the VAP EIP. We have also set minimum qualifications for these entities to participate in our program to ensure those participating are quality, financially stable companies who can provide good service to our customers. Insurance companies participating have consented to participate in our program based upon the expectations Ohio EPA has set in a memorandum of understanding. These include financial stability, compliance with our regulations, the ability to provide various coverages, inclusion of special endorsements to en sure any legal actions are within the State of Ohio, and the acknowledgement that a 10% discount will be provided to those requesting coverage under Ohio EPA’s program.

Environmental Insurance and Risk Management Tools

Glossary of Terms

    DISCLAIMER: This document was developed by a U.S. Environmental Protection Agency (EPA) contractor through review and compilation of a number of sources. This document does not reflect the views and policies of the EPA, no official endorsement should be inferred.
  • The following terms are typically used by the environmental insurance industry, transactional specialists, and other parties involved in using environmental insurance or risk management tools. While many of the terms may have more than one definition (e.g., Amendment and Third Party), only the definition specific to its application to environmental insurance and risk management tools is provided. Italicized words represent words used in the definition of a term that are also defined elsewhere in this glossary.

    - A -

    • Accident  - An unexpected event that happens by chance and is not expected in the normal course of events.
    • Act of God - A sudden and violent act of nature that could not have been foreseen or prevented (e.g., flood, earthquake).
    • Additional Insured - An individual or entity that is not automatically included as an insured under the policy of another, but for whom the named insured's policy provides a certain degree of protection. The named insured's impetus for providing additional insured status to others may be a desire to protect the other party because of a close relationship with that party (e.g., redevelopment authority serving as an intermediary during the cleanup and redevelopment process) or to comply with a contractual agreement requiring the named insured to do so (e.g., customers or owners of property leased by the named insured).  In most cases, additional insureds are protected only when a claim filed against them also is filed against the named insured.
    • Admitted Policy - An insurance policy that is written and issued in a specific locale, by an insurer authorized to transact business under the confines of the local insurance laws.
    • Aggregate Limits - Indicates the amount of coverage that the insured has under the insurance policy for a specific period of time, usually the contract period, no matter how many separate accidents may occur. Once the aggregate limit has been reached, no more damages can be allocated to that policy. For example, a property covered under a policy with a $1 million limit per occurrence and a $2 million aggregate limit will have coverage for up to $1 million per occurrence or incident, and coverage for up to $2 million in total damages under the policy. Thus, if a policyholder had three claims in a year for $750,000 each, the insurance will cover the first $2 million dollars, at which point the $2 million aggregate will have been reached, and the remaining $250,000 will not be covered by the policy.
    • Amendment - A formal document revising the provisions of an insurance policy.
    • As-Is - A risk allocation tool used in property transactions that involves an express statement that the seller makes no representations or warranties about the condition of the property. It is intended to preclude buyer from recovering damages from seller for known or unknown conditions at time of sale. Also, it is intended to assist enforceability. Specific environmental conditions, including latent defects, should be disclosed to buyer and indemnification should expressly state that the property transfer includes all risks associated with listed federal and state environmental laws.
    • Assumed Liability - Liability that would not rest upon a person except that he has accepted responsibility by contract, expressed, or implied (a.k.a., a contractual liability).
    • Assumption, Retention, and Releases Provisions - A risk allocation tool used in property transactions wherein the buyer accepts or seller retains, responsibility for known or unknown environmental conditions and releases the other party from liability for current and future claims arising from the specified conditions.
    • Attachment Point - Monetary level of expenditures that must be exhausted before payment from an insurance policy begins.

    - B -

    • Bodily Injury - Bodily injury, sickness, disease, mental anguish injury, shock, or building- related illness sustained by any person, including death resulting therefrom, caused by pollution conditions.
    • Bodily Injury Liability Insurance - This coverage protects an insured against legal liability for injury to another person arising from pollution conditions or an accident.
    • Broker - An independent person or firm who acts on behalf of the insured in placing business with the insurance company. Typically, a broker’s compensation is on a commission basis.
    • Brownfields - With certain legal exclusions and additions, the term “brownfield site” means real property, the expansion, redevelopment, or reuse of which may be complicated by the presence or potential presence of a hazardous substance, pollutant, or contaminant.
    • Brownfields Act of 2002 - The Small Business Liability Relief and Brownfields Revitalization Act (H.R. 2869) (Brownfields Act of 2002) was signed by the President on January 11, 2002. The intent of the act is “to provide certain relief for small businesses from liability under the Comprehension Environmental Response, Compensation, and Liability Act (CERCLA) of 1980, and to amend such Act to promote the cleanup and reuse of brownfields, to provide financial assistance for brownfields revitalization, to enhance State response programs, and for other purposes.” Under the law, the purchase of environmental insurance is an eligible activity for grantees.
    • Business Interruption - Business expenses and loss of income resulting from fire or other insured peril.

    - C -

    • Cancellation – Termination of an insurance coverage during the policy period by the voluntary act of the insurance company or insured, effected in accordance with provisions in the contract or by mutual agreement.
    • Captive Insurer – A bona fide insurance or reinsurance company that is established and owned by a parent company or group of companies (who are non-insurance companies) to insure their own risks. Captive insurance is a form of self-insurance.
    • Carrier – The insurance company or the one who agrees to pay the losses. The carrier may be organized as a stock or mutual company, a reciprocal exchange, an association of underwriters, or a state fund.
    • Claim (on an insurer) – A request for payment for a loss that may come under the terms of an insurance contract.  There are two types of claims: first party and third party.
    • Claim (on a policyholder) – The assertion of a legal right alleging liability or responsibility on the part of the insured, arising out of pollution conditions (e.g., lawsuits, regulatory actions).
    • Claims Made Based Coverage – The trigger of coverage is a claim being made and reported during the policy period; therefore, insurance coverage is applicable only if the insured files a claim with the insurer during the period expressed in the policy.
    • Clause – A term used to identify a particular part of a policy or endorsement.
    • Co-insurance – Co-participation that involves the payment by the insured of a predetermined proportion of all costs above the amount at which the insurance begins to pay.
    • Comprehensive General Liability (CGL) Insurance – This policy provides broad protection against situations in which a business must defend itself against lawsuits or pay damages for bodily injury or property damage from third party claims. CGL contracts are enforced and interpreted based on state law. CGL insurance has become more restrictive over time; therefore, it rarely covers environmental liabilities.
    • Conditions – Provisions of an insurance policy that state the rights and duties of the insured and insurer.
    • Covenants – A risk allocation tool used in property transactions which may involve a promise or agreement by seller or buyer to do, or refrain from doing, an act. For example, a covenant may allocate responsibility for tasks, particularly elements of the cleanup, transferring permits, continued operations of assets, and compliance with environmental laws.
    • Coverage – The scope of the protection provided under a contract of an insurance policy.

    - D -

    • Declarations – A term used in insurance for the portion of the contract (a.k.a., Dec Sheet or Dec Page) that contains information such as the name and address of the insured, the property insured, its location and description, the policy period, the amount of insurance coverage, applicable premiums, and supplemental representations by the insured.
    • Deductible – A threshold on a policy basis that the insured must pay for damages (i.e., insured loss) before an insurer will provide coverage. In other words, whether the policy covers one year or 10 years, the deductible applies to the entire policy period; therefore, a deductible needs only to be met once during that policy period, not on an annual basis (unless otherwise stipulated in the insurance policy).
    • Defense Clause – A provision in a casualty insurance policy that provides additional coverage for defense costs.
    • Defense Costs – Legal costs, charges, and expenses incurred in the investigation, defense, or the adjustment of a claim.
    • Defined Excluded Liabilities – A risk allocation tool used in property transactions that identifies and allocates between seller and buyer particular risks associated with the business and some or all of the assets and liabilities and specifies whether they are included in or excluded from the risks allocated in the transaction.
    • De Minimis – This is a Latin phrase which means “the law does not care about very small matters.” In other words, the issue of concern is unlikely to have substantial impact, is immaterial, or is insignificant.
    • Due Diligence – Due Diligence is a term of art in the business community that refers to the combination of procedures and investigation undertaken before a business transaction (e.g., acquisition of real property or granting a loan in order to assess potential liabilities and problems). In particular, information is gathered to gauge the level of environmental risks associated with the proposed transaction so that parties may mitigate or allocate such risks, as well as qualify for any special liability relief available (e.g., innocent landowner defense, secured creditor protection). In order to qualify for any special liability relief, a party must often meet a test called "all appropriate inquiry," which is a standard that is normally consistent with good commercial practices that a person exercises for his own protection.

    - E -

    • Effective Date – The date on which an insurance policy goes into effect.
    • Endorsement – An addition, not a part of the original contract, which cites certain terms and which becomes a legal part of that insurance contract. Typically, it is an amendment to the policy used to add or delete coverage. It is also referred to as a “rider.”
    • Entity – Property owners, property purchasers, developers, investors, municipalities, and other groups that may have a financial stake in a property and/or insurance policy.
    • Environmental Impairment Liability (EIL) Policies – Insurance policies introduced in the early 1990s designed to cover environmental liabilities. Due to high premiums and limited coverage, EIL policies were soon discontinued.
    • Excess Limits Coverage – Provides coverage against losses in excess of a specified dollar limit or attachment point.
    • Expiration Date – The date (often shown on the Declarations Page of the policy) when coverage will stop. It may be a specific date or a statement that coverage is continuous until cancelled.
    • Exposure – Degree of hazard threatening a risk because of physical conditions (external or internal). In the insurance field, this term may have several meanings: 1) possibility of loss; 2) possibility of a loss to a risk caused by its surroundings; or 3) extent of risk (e.g., one car insured for one year).
    • Extended Reporting Period – Lengthens the period in which a claim may be made against the insured and reported to the insurer, however claims must arise out of pollution conditions that commenced prior to the end of the policy period.

    - F -

    • First Party Claim – A claim made by the policyholder for reimbursement by his or her insurance company.

    - H -

    • Hazard – A specific situation that increases the probability of the occurrence of loss arising from a peril, or that may influence the extent of the loss. For example, accident, sickness, fire, flood, liability, burglary, and explosion are perils. Slippery floors, unsanitary conditions, shingled roofs, congested traffic, unguarded premises, and uninspected boilers are also hazards.

    - I -

    • Indemnification – A risk allocation tool used in property transactions which typically involves an agreement that provides for one party to bear the costs, either directly or by reimbursement, for damages or losses incurred by a second party. Typical costs may include costs of investigations and cleanup actions, third party personal injury claims, etc.
    • Indemnify – To restore the victim of a loss, in whole or in part, by payment, repair, or replacement.
    • Indemnity – In general, means the reimbursement for a loss, but also can be used to mean a benefit provided by a policy
    • Indirect Loss (or Damage) Loss resulting from a peril but not caused directly and immediately thereby. For example, loss of property due to fire is a direct loss, while the loss of rental income as the result of the fire would be an indirect loss.
    • Insurability – Acceptability of an applicant for insurance by an insurance company.
    • Insurance Archeology – The reconstruction of an organization's insurance policy history (e.g., CGL policies) for the purpose of filing claims based on those policies.
    • Insurance Policy – Legal document issued to the insured setting out the terms of the contract of insurance in order to transfer the risks from insured to insurer.
    • Insured – The person or persons (a.k.a., the policyholder(s)) whose risk of financial loss from a peril covered by the insurance policy is protected by an insurance policy.
    • Insurer – The insurance company offering insurance coverage.

    - K -

    • Known Conditions – Conditions existing (e.g., on a property) prior to the inception of an insurance policy.

    - L -

    • Legal Defense Costs – See Defense Costs
    • Liability – Broadly, this is any legally enforceable obligation to another party (e.g., legal responsibility, duty, or obligation). This liability may arise from contracts either expressed or implied or in consequence of torts committed.
    • Liability Limits – The sum or sums beyond which an insurance company does not protect the insured on a particular policy (i.e., the maximum amount a policy will pay).
    • Litigation – The process of a lawsuit.
    • Loss – An occurrence that is the basis for submission and/or payment of a claim. Losses can be covered, limited, or excluded from coverage, depending on the terms of the policy.

    - M -

    • Manuscript – To individually tailor policies to suit each insured. Unlike “boilerplate” policies for vehicle or workers’ compensation coverage, environmental insurance policies are generally always manuscripted.
    • Moral hazard – 1) Relates to an increased probability of a loss through moral lapse of the owner (e.g., an insured previously convicted of arson, "Burn down the house to collect the insurance.").
    • 2)  Relates to an increased probability of a loss arising from an apathetic insured or an insured who is indifferent to loss because of the existence of insurance to cover the loss (e.g., "Let it burn because it is insured", failure to repair faulty wiring which is considered more expensive than insurance premiums to cover the risk).

    - N -

    • Named Insured – The person (or persons) in whose names the insurance policy is issued.
    • Negligence – Failure to use the degree of care which an ordinary person of reasonable prudence would use under the given circumstances.
    • Non-Admitted Policy – An insurance policy that does not require the insurer to transact business under the confines of local insurance laws, allowing the insurer greater flexibility in the design of the policy and the coverage.

    - O -

    • Occurrence – An event that results in an insured loss.
    • Occurrence Based Coverage – The trigger of insurance coverage is the occurrence, not the claim; therefore, the claim can be made anytime during or after the policy period.
    • Owned Property – Property that is owned or leased by the insured.

    - P -

    • Personal Property – Any property of an insured other than real property (i.e., land and any structures or minerals associated with the land).
    • Policy – See Insurance Policy.
    • Policyholder – See Insured.
    • Policy Period (or Term) – The period during which the policy contract provides protection (e.g., six months or one or three years).
    • Pooled Insurance – An insurance pool refers to a group of organizations that insures certain risks, sharing premiums, losses, and expenses among themselves. Generally, “pooling” is used when a single entity does not have significant enough liabilities or resources to attain insurance and/or is not large enough to self-insure.
    • Portfolio – Refers to insurance coverages for a combined set of sites, whether or not there is more than one insured organization.
    • Post-Signing and Pre-Closing Conditions – A risk allocation tool used in property transactions which involves the requirement that some act be performed by a party to an agreement before closing the transaction.  It establishes certain conditions that must be met, typically by the seller, prior to closing, and it may allow a party to “back out” of deal or adjust purchase price or other terms, if conditions not met
    • Premises – The particular location of property or a portion thereof as designated in a policy.
    • Premium – The amount of money charged a policyholder for an insurance policy.
    • Product Liability Insurance – Provides protection against financial loss arising out of the legal liability incurred by a manufacturer, merchant, or distributor because of injury or damage resulting from the use of a covered product.
    • Property Damage – This can have a number of meanings: 1) physical injury to or destruction of tangible property, including the personal property of third parties; 2) loss of use of such property that has not been physically injured or destroyed; or 3) diminished third party property value provided that such physical injury or destruction and/or loss of use are caused by pollution conditions.
    • Property Insurance – Property insurance indemnifies an insured whose property is stolen, damaged, or destroyed by a covered peril.
    • Protection – Term used interchangeably with the word “coverage” to denote the insurance provided under the terms of a policy.

    - Q -

    • Quote – An estimate of the cost of insurance supplied by the insurance company.

    - R -

    • Rate – The per unit cost of insurance. See also Premium.
    • Reinsurance – A procedure by which an insurance company insures its risks (e.g., those liabilities associated with its policyholders) with another insurance company. It is an arrangement by which one insurer transfers all or a portion of its risk under a policy or group of policies to another insurer or reinsurers. Thus, reinsurance is insurance purchased by an insurance company from another insurer to reduce risk for the original insurer.
    • Remediation Expense – Expenses incurred for or in connection with the investigation, monitoring, removal, disposal, treatment, or neutralization of pollution conditions, including replacement costs. Often, to be covered under insurance, such activities would need to be required by: 1) federal, state, local or provincial laws, regulations or statutes, or any subsequent amendments thereof, enacted to address pollution conditions; 2) a legally executed state voluntary program governing the cleanup of pollution conditions; or 3) determination or settlement of a lawsuit.
    • Re-opener Coverage Coverage that insures for the costs of additional remediation ordered by environmental regulators or compelled by law after a cleanup has been completed and a state agency has provided an assurance such as a “No Further Action” letter.
    • Replacement Cost – May include: 1) the cost of replacing property without deduction for depreciation; and/or 2) costs necessarily incurred by the insured to repair or replace real or personal property damaged during the course of remediation expense in order to restore the property to the condition it was in prior to remediation expense. Within the insurance field, it is often required that these costs shall not exceed the net present value of such property prior to the investigation, removal, disposal, treatment, or neutralization of pollution conditions.
    • Representations and Warranties – A risk allocation tool used in property transactions which involves statements of fact (representations) and promises (warranties) that a seller makes to a buyer. Typically provided by seller to disclose environmental risks associated with acquisition of business or some or all of its assets.
    • Rider – See Endorsement.
    • Risk – A chance of loss with respect to person, liability, or the property of the insured.
    • Risk Management – Management of the pure risks to which a company might be subject. Typically, it involves analyzing all exposures to the possibility of loss and determining how to handle these exposures through such practices as avoiding the risk, retaining the risk, reducing the risk, or transferring the risk, often by insurance.

    - S -

    • Self-Insurance – A form of risk financing through which an entity assumes all or a part of its own losses. Self insurers may purchase insurance to cover excess losses.
    • Self-Insured Retention (SIR) – Threshold(s) on an annual basis that must be met before coverage will be applied.
    • Surrogation – The right of an insurance company to step into the role of the party whom they compensate and sue any party whom the compensated party could have sued.

    - T -

    • Term – A period of time for which a policy is issued.
    • Third Party – A party that is not a party to the insurance policy. Parties to the policy are typically the insurer and the insured. Third parties may include private parties and government entities enforcing regulations. A claim (e.g., a lawsuit) by an entity against a policyholder of another company and the payment, if any, will be made by the policyholder’s company or insurance policy.
    • Third Party Insurance Protection of the insured against liability for damage to or destruction of the bodies or property of others.
    • Tort – Any wrongful act, damage, or injury done willfully, negligently, or in circumstances involving strict liability, but not involving breach of contract, for which a civil lawsuit can be brought.
    • Toxic Tort Claims – Include a wide variety of claims of harm due to long-term exposure to toxic chemicals and contamination. Includes claims for bodily injury, property damage, property stigma, medical monitoring, and product liability.
    • Trigger – Refers to the conditions or events that activate coverages included in an insurance policy.

    - U -

    • Umbrella Liability – A form of insurance protection against losses in excess of amounts covered by other liability insurance policies. Also may protect the insured in many situations not covered by the usual liability policies.
    • Underwriter – A person trained in evaluating risks and determining the rates and coverages that will be used for them.
    • Underwriting – The process of selecting risks for insurance and determining in what amounts and on what terms the insurance company accepts the risk.

    - W -

    • Workers’ Compensation – A system (established under state laws) under which employers provide insurance for benefit payments to employees for their work-related injury, death, and disease regardless of fault.

    List of brokers licensed to sell Environmental Insurance

    How to find brokers who are licensed to sell Environmental Insurance in Ohio Not all insurance brokers or insurance agents are licensed to sell environmental insurance. An insurance broker or agent must be licensed to sell what is known in the insurance industry as Surplus Lines of insurance.

    The Ohio Department of Insurance maintains lists of both in-state (resident) and out-of-state (non- resident) agents and brokers who are currently licensed to sell Surplus Lines in Ohio. In order to access these lists, follow the instructions below:

    • Log onto the Agent/Agency section of the Ohio Dept. of Insurance Web site at:

    • Under the “Agent License Type” drop down menu select either “Resident Surplus Line Agent” or “Non-Res. Surplus Line Agent” and then hit search. Conducting both the Resident and Non-Resident searches will provide you with the names and contact information for all the agents and brokers licensed to sell Environmental Insurance in the state of Ohio.

    How to evaluate brokers to find one that will meet your needs

    • Fill out this questionnaire to find a broker that meets your needs.

    Links to the VAP-EIP Insurance Carriers

    The Insurance Companies listed below are all participants in VAP’s EI Program. All three Companies have expressed an interest and a commitment to offer discounted environmental insurance to VAP volunteers who have requested an Environmental Insurance review from the VAP.

    Links to other States’ EI Programs

    Ohio EPA's Voluntary Action Program website

    Clean Ohio Fund website


    Lisa Shook
    VAP Manager
    Phone: (614) 644-2295