Specialty Program Administrator · Richmond, VA
Deep rooted in partnership.
Greenhouse Specialty is a specialty program administration platform: four purpose-built environmental casualty programs in market today, A-rated capacity behind them, and a greenhouse where new programs and underwriting talent take root.
- Programs in market
- 04
- States licensed
- 50
- AM Best rated paper
- A
- Excess capacity
- $5M
Renewable Energy, Industrial, Contractors, and Consultants, with more growing
Nationwide platform
Coverage through a national carrier rated A (Excellent)
Supported & unsupported options
01 · Programs in market
Four programs, purpose-built.
The first programs grown under the Greenhouse umbrella: combined, coordinated, and underwritten by people who have spent careers in environmental casualty.
Renewable Energy
Casualty for the energy transition trades
Purpose-built casualty for the contractors building the energy transition: solar, wind, battery storage, and EV infrastructure, underwritten by environmental specialists.
- General Liability
- Contractors Pollution Liability
- Professional Liability
- Site Pollution Liability
- Excess Liability
- Commercial Auto
- Workers’ Compensation
Industrial
Coverage for industrial services & plant trades
Primary and excess casualty for industrial services contractors: plant maintenance, industrial cleaning, and the specialty trades that carry real pollution exposure.
- General Liability
- Contractors Pollution Liability
- Professional Liability
- Site Pollution Liability
- Excess Liability
- Commercial Auto
- Workers’ Compensation
Environmental Contractors
The full program for environmental work
Every line an environmental contractor needs, coordinated under one team: remediation, abatement, tanks, emergency response, and hazardous waste operations.
- General Liability
- Contractors Pollution Liability
- Professional Liability
- Site Pollution Liability
- Excess Liability
- Commercial Auto
- Workers’ Compensation
Consultants & Engineers
Professional-led coverage for advisory work
Professional and pollution liability combined for environmental consultants, engineers, and testing firms, with the casualty lines to round out the account.
- Professional Liability
- Contractors Pollution Liability
- General Liability
- Site Pollution Liability
- Excess Liability
- Commercial Auto
- Workers’ Compensation
02 · Who we serve
The trades that carry real exposure.
- Environmental contractors Remediation, abatement, tank services, emergency response, hazardous waste
- Energy contractors Renewables installation, utility services, pipeline & facility maintenance
- Industrial contractors Industrial services, plant maintenance, specialty trades with pollution exposure
- Consultants & engineers Environmental consulting, engineering, testing, assessment & compliance
Fewer partners, deeper relationships. We are a boutique market by design: every account underwritten, structured, and serviced by people who take the time to understand the work. See target classes
03 · The Greenhouse difference
Grown differently, on purpose.
Rooted in environmental solutions
Environmental casualty is not a sideline here; it is the whole practice. Our programs are designed from the ground up around pollution exposure and the contractors and consultants who live with it.
Creative, purpose-built underwriting
Nothing off the shelf. Coverage is tailored to fit the unique needs of each insured: structure, limits, and terms shaped to the operations, not forced into a form.
Service over submissions
We prioritize relationships, responsiveness, and results, not volume. We make commitments carefully, keep them completely, and give the brokers we work with real attention, account by account.
AI-enabled, human-led
Old-school underwriters empowered by modern technology. Our platform clears, triages, and accelerates, so humans spend their time underwriting, and answers come back faster.
04 · Capacity
Backed by A‑rated paper.
Our environmental casualty program is delivered in collaboration with a national carrier rated A (Excellent) by AM Best, announced November 2025.
Read the announcementOur standard
Purpose-built coverage only matters if the balance sheet behind it is unquestioned. We built Greenhouse on A-rated capacity from day one: strength our brokers place with confidence.
- A (Excellent) AM Best rated carrier partner
- Admitted & non-admitted solutions
- Nationwide
05 · The platform
One greenhouse, two ways in.
For brokers
Place business with our programs
Four environmental casualty programs, one underwriting relationship, and a team that works to answer in hours, not weeks. Appointed brokers get direct access to the people behind the files.
For program builders
Grow your program under our umbrella
Underwriters with a niche thesis: bring it to the greenhouse. Nationwide licensing, carrier relationships, working technology, and operations, so your program can launch instead of stalling.
06 · How we work
Limited distribution. Undivided attention.
We appoint a deliberately small panel of brokers, and give each of them real access: underwriters on the phone, a push for answers in hours rather than weeks, and terms we aim to explain before the order, not after the loss.
“We built Greenhouse Specialty to prove that doing business the right way, putting people and purpose first, can drive exceptional results.”
Josh Rubin, Co-Founder
07 · The people
Underwriters first, always.
08 · What’s growing
News & announcements
April 10, 2026 · Coverager
Coverager: Greenhouse Specialty raises $750K
Insurtech outlet Coverager reports on our founding raise and profiles the Greenhouse model: a specialty program administrator pairing the Greenhouse Package (general liability, contractors pollution, professional, and site pollution) with excess and companion auto, distributed through a select group of broker partners.
November 21, 2025 · Insurance Business
Insurance Business: Markel partners with Greenhouse Specialty to launch environmental insurance program
Insurance Business covers the collaboration: advanced underwriting technology plus specialist expertise for complex environmental casualty risks, and a selective distribution model that prioritizes broker support over volume.
November 21, 2025 · Reinsurance News
Reinsurance News: Markel collaborates with Greenhouse Specialty to deliver environmental solutions
Reinsurance News on the partnership: environmental casualty coverage for construction and environmental contractors, consultants, and engineers in all fifty states, with general liability, pollution, and professional coverage plus admitted auto and excess up to $5M.
November 21, 2025 · The Insurer
The Insurer: Markel partners with Greenhouse Specialty for environmental coverage
The Insurer's Program Manager covers the Markel partnership bringing environmental casualty coverage to market through Greenhouse's selective broker network. (Subscription required.)
November 2025 · Coverager
Coverager: Markel partners with Greenhouse Specialty
Coverager picks up the Markel partnership announcement, highlighting the commitment both companies share to bringing precision, service, and innovation to the environmental insurance market.
November 20, 2025 · PR Newswire
Greenhouse Specialty announces carrier collaboration to deliver innovative environmental solutions
Greenhouse Specialty announces a strategic collaboration with a national carrier, delivering environmental casualty insurance solutions for contractors and consultants nationwide, on A (Excellent) AM Best rated paper.
September 9, 2025 · Greenhouse Specialty
Greenhouse Specialty launches: a new program administrator, deep rooted in partnership
Founded by environmental casualty underwriters Josh Rubin and Geoff Bernardo, Greenhouse Specialty opens its doors in Richmond, Virginia: a boutique program administrator pairing purpose-built environmental coverage with a limited distribution model.
Ready when you are
Have a risk that needs a real underwriter?
Our programs are placed exclusively through appointed brokers. Tell us about your business and we will connect you with one, quickly, and with a straight answer either way.