Insurance for Ecological & Wildlife Consultants
Coverage for biologists, wetland scientists and ecological consultants who survey habitats and advise on protected species and conservation.
Your surveys decide whether a project can move forward. When a protected species or wetland is missed, the project can stop.
How Risk Shows Up in Ecological Work
Missed findings
A missed wetland or protected species can lead to stop work orders and redesign.
Timing
Many surveys can only happen in certain seasons. A missed window can delay a project by a year.
Field work
Remote sites, boats and off road vehicles add injury and auto exposure.
The Stack Most Ecological & Wildlife Consultants Carry.
Pollution exposure often needs its own policy or endorsement.
Hover a layer to see what it covers. Every firm is different, so treat this as a starting point.
Carriers Don’t Always Understand What You Do.
Site and environmental work carries pollution exposure that many standard policies exclude. The wrong form can leave your core work outside the policy.
When the work is misread
- Pollution excluded from the professional liability policy
- Testing and sampling rated like contracting
- Mold, asbestos or lead work not addressed at all
- Contract requirements for pollution coverage met on paper only
How we submit your firm
- Your consulting, testing and field work described separately
- Pollution exposure matched to the right form
- Contract requirements checked against the policy before you sign
- Carriers that write environmental professionals every day
Questions We Hear From Ecological & Wildlife Consultants.
Questions usually follow a report: who relied on it, what the contract requires after the job ends, and whether pollution is part of the picture.
Answers are general. Your policy and your contract always control.
Ask yours on a 15-minute callSomeone I never met relied on my report. Am I exposed?
Buyers, lenders and owners often rely on inspection and testing reports. Make sure your application lists every report type you issue, and read the reliance language in your agreements.
Do I need pollution coverage if I don't handle hazardous material?
Sampling, testing or advising on a contaminated site can draw a pollution claim even when you handled nothing. Many general and professional policies exclude it. Contractors pollution or a combined professional and pollution policy fills that gap.
The contract says to keep coverage for years after completion.
That is an ongoing obligation. Keep the claims-made policy in force for that period, or buy an extended reporting period if you close or switch carriers.
Why does a client need a waiver of subrogation from me?
It stops your carrier from recovering from the client after paying a claim. It is common on site work. Many policies can add it by blanket endorsement when a written contract requires it.
Straight Answers
Not sure how your firm was classified?
Send us your current policy or application. We’ll tell you how your work reads to an underwriter.
Review My CoverageTell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.