JMWilson


 
Environmental Liability



Disastrous environmental accidents can stem from any number of incidents. Improper use of chemicals, site pollution, presence of mold or asbestos, and transport of hazardous materials, are just some of what can trigger a claim or lawsuit against a business.

Environmental Industry Targets
  • Underground / Aboveground Storage Tanks
  • Mold Related Coverage
  • Crop Sprayers CGL/Pollution – Ground Applicators Only
  • Environmental Consultants & Laboratories
  • Environmental Contractors
  • Waste Facilities – Landfills, Recyclers, etc.
  • Pollution Liability – Most Classes
  • Asbestos & Lead Abatement
  • Site Specific Pollution
  • Restoration Contractors
  • And More...

Non Environmental Industry Targets
  • Fire and Water Restoration Contactors
  • Artists
  • HVAC Contractors
  • Painting Contractors
  • Street and Road Contractors
  • Glass / Glazing Contractors

Coverages Available
  • Commercial General Liability
  • Pollution Liability
  • Umbrella/Excess Liability
  • Environmental Professional Liability
  • Contractor's Pollution Liability
  • Environmental Impairment Liability
CPL - Contractor's Pollution Liability
  • Professional service exclusion has an exception for inadequate/improper supervision of subs
  • Vehicle loading and unloading
  • Natural resource damage coverage
  • Third party transportation pollution liability
  • Non owned disposal site coverage

PL - Environmental Professional Liability
  • Claims made & reported coverage
  • Responsible insured definition
  • Insured vs. Insured exclusion with exception for additional insured's when scheduled
  • Breach of professional duty is a defined term

EIL - Environmental Impairment Liability - Enviro Flex
  • Customized solutions
  • Products pollution and products recall
  • Automatic acquisition coverage
  • Restoration costs coverage

Policy Highlights
  • Limits of Liability up to $17 million available (depending on carrier)
  • Minimum premium for storage tanks: $350
  • Minimum premium for contractors & Consultants: $2,500 or $2,000 for monoline pollution
  • Worldwide Coverage Available
  • Separate Limits for Defense
  • Transit Coverage Available
  • “A” Rated Carrier
  • Media & Technology Coverage Available
  • Environmental Package policy is available by endorsement