Industrial operations — the leading source of uncovered environmental liability for U.S. businesses
Construction sites generate pollution exposure on every project — most contractors carry no CPL coverage
Agricultural runoff and pesticide contamination — environmental insurance most farms never carry
Manufacturing facilities face CERCLA Superfund liability — retroactive, strict, and joint-and-several
Environmental Risk Intelligence · U.S. SMEs · 2025

Every business carries
environmental risk.
Most don’t know it.

From dry cleaners and auto shops to farms and manufacturers, environmental liability is the most overlooked insurance gap in America. EnviroRisk was built to close it.

36.2M
U.S. small businesses
SBA, 2025
$318B
2024 global CAT losses
Swiss Re 1/2025
57%
of losses uninsured
Swiss Re, 2025
$500K
RCRA UST minimum
EPA / RCRA Subtitle I
Industrial operations — the leading source of uncovered environmental liability for U.S. businesses
What EnviroRisk Offers

Everything a small business needs to understand environmental risk.

8 Coverage Types

CPL, EIL, UST, MAPP, and more — explained in plain language with target business classes and key underwriting insights.

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SME Sector Profiles

Agriculture, construction, auto repair, manufacturing, and more. Real exposures and real coverage gaps by industry.

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35+ Market Participants

Verified directory of U.S. carriers, MGAs, and brokers providing environmental liability — searchable by specialty and tier.

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Verified Research Library

Primary-source studies from Swiss Re, FEMA, SBA, Aon, and Marsh on SME protection gaps and climate risk.

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Live Risk Intelligence

AI-powered feed of CAT updates, regulatory shifts, and SME risk signals — refreshed on demand.

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Our Mission

The story behind EnviroRisk — from Nepal to New York, and why the SME environmental insurance gap became a mission.

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“Small businesses generate nearly 9 in 10 net new American jobs and represent 43.5% of U.S. GDP. Agriculture, construction, and manufacturing sit at the center of that output and face the highest environmental liability exposure of any sector. When these businesses absorb uninsured environmental losses, the damage does not stay on a single balance sheet. It reaches workers, supply chains, communities, and ultimately federal taxpayers. Closing the environmental insurance gap for U.S. SMEs is not a niche objective. It is a matter of national economic resilience.”

EnviroRisk · Sources: SBA Office of Advocacy 2024 · BLS 2024 · Congress.gov CRS R47631 · Swiss Re Sigma 1/2025 · U.S. EPA