ENVIRONMENTAL

ENVIRONMENTAL

Advantages:

Package Options Available for Site-Specific Risks and Environmental Contractors

DIRECTIONS FOR SUBMISSION

DIRECTIONS FOR SUBMISSION	Email:   environmental@brittpaulk.com Fax:     770-836-8563

ENVIRONMENTAL

RATING	Admitted, A.M. Best “A” or better
TERRITORY	National

CONTRACTORS POLLUTION LIABILITY

COVERAGE HIGHLIGHTS	Bodily Injury liability Property Damage Liability Clean-Up Costs for a pollution condition arising from the Insured's operations and resulting in a claim Covers work performed by or on behalf of the Named Insured (work by subcontractors) Occurrence or claims-made coverage Practice and/or Project Policies Available
PREFERRED RISKS	Environmental contractors performing services at jobsites owned by others, including services such as: Remediation or abatement of pollutants Removal, excavation, containment, treatment or neutralization of pollutants Installation, removal or cleaning of above ground or underground tanks Clean up and restoration of storm or fire damaged premises Installation or maintenance of testing, monitoring or similar equipment Construction or operation of landfills, recycling facilities, or other waste facilities Environmental consultants with hands-on field operations Contractors performing services at jobsites owned by others whose services are non-environmental in nature. These contractors can expose or create a pollution condition in the course of performing their normal services. Eligible contractors include: Carpentry, electrical, masonry, painting and other trade contractors Drilling, excavation, grading, fencing and other specialty contractors Most other contractor or professional service firms
ENHANCEMENTS	Blanket additional insured when required by contract Blanket transfer of rights of recovery when required by contract Mold Transportation/Trucking pollution coverage
PREMIUM	Minimum Policy Premium $2,500

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PREMISES POLLUTION LIABILITY

COVERAGE HIGHLIGHTS	Third party claims arising from pollution conditions at, on under or migrating from covered locations for: Bodily injury liability Property damage liability Cleanup costs - offsite and onsite First party onsite cleanup costs arising from pollution conditions at, on or under covered locations. Natural resource damages Contingent transportation pollution coverage Annual or multi-year policies available Multiple locations may be included for coverage on one policy Claims-made coverage Available as a stand alone product, or in combination with other coverages
PREFERRED RISKS	Environmental facilities such as: Landfills, waste transfer and waste recycling facilities Other hazardous or non-hazardous treatment, storage and disposal facilities Wastewater plants Bio-fuel facilities Manufacturers Industrial plants Commercial properties, including properties under construction Governmental entities Agricultural properties Any risk with above ground or underground storage tanks
ENHANCEMENTS	Transportation/Trucking pollution coverage (owned vehicles) Known conditions Non-owned disposal sites
PREMIUM	Minimum Policy Premium $2,500

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PRODUCTS POLLUTION LIABILITY

COVERAGE HIGHLIGHTS	Third party claims as a result of pollution conditions arising from the insured’s product for: Bodily injury liability Property damage liability Cleanup costs Claims-made or occurrence coverage Available as a stand alone product, or in combination with other coverages Available in a combined policy with other coverages, including general liability, contractors pollution liability, premises pollution liability, professional liability
PREFERRED RISKS	Products that carry, contain, measure, move or otherwise process pollutants such as: Drums, Pipes, Tubing Pumps, Valves, Compressors or Other Machinery or Equipment Instruments or gauges Non-mechanical products (such as sorbent materials) Certain types of chemicals or batch goods
ENHANCEMENTS	Additional Insured - Vendor Transfer of Rights of Recovery

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BUSINESS AUTO COVERAGE

COVERAGE HIGHLIGHTS	Liability, Statutory (PIP, UM), Physical Damage and other common or state-specific auto coverages Pollution coverage automatically included (CA9948 or equivalent); MCS 90, Form E and other filings as required Annual Policy Term Available in 49 states (not available in MA) Available to environmental contractor, consulting and facility accounts in support of general liability and environmental coverages (not available to long haul/hazmat transporters or refuse/garbage haulers)
PREFERRED RISKS	Environmental contractors performing services at jobsites owned by others, including services such as: Remediation or abatement of pollutants Removal, excavation, containment, treatment or neutralization of pollutants Installation, removal or cleaning of above ground or underground tanks Clean up and restoration of storm or fire damaged premises Installation or maintenance of testing, monitoring or similar equipment Construction or operation of landfills, recycling facilities, or other waste facilities Environmental consultants Environmental facilities such as: Waste transfer and waste recycling facilities Other hazardous or non-hazardous treatment, storage and disposal facilities Wastewater plants Bio-fuel facilities
ENHANCEMENTS	Blanket additional insured when required by contract Blanket transfer of rights of recovery when required by contract Stated amount physical damage – vehicles may include high-valued built-on equipment

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EXCESS FOLLOW FORM LIABILITY

COVERAGE HIGHLIGHTS	Follows form over scheduled underlying policies which can include Commercial General Liability, Pollution Liability, Business Auto Liability and Employers Liability Available as excess follow form over other carrier’s underlying environmental project policies or premises pollution policies Environmental Facilities (landfills, wastewater treatment plants and other permitted facilities) Available to environmental contractor, consulting and facility accounts in conjunction with general liability and environmental coverages Manufacturers-certain types of products
PREFERRED RISKS	Environmental contractors performing services at jobsites owned by others, including services such as: Remediation or abatement of pollutants Removal, excavation, containment, treatment or neutralization of pollutants Installation, removal or cleaning of above ground or underground tanks Clean up and restoration of storm or fire damaged premises Installation or maintenance of testing, monitoring or similar equipment Construction or operation of landfills, recycling facilities, or other waste facilities Environmental consultants Environmental facilities such as: Landfills, waste transfer and waste recycling facilities Other hazardous or non-hazardous treatment, storage and disposal facilities Wastewater plants Bio-fuel facilities
PREMIUM	Minimum Policy Premium $2,500

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Under or Above Ground Storage Tanks

TERRITORY	Under ground - available in all states except WA Above ground - available in all states except MN
COVERAGE HIGHLIGHTS	Coverage for third-party injury and property damage claims resulting from pollution conditions emanating from scheduled tanks Provides coverage for corrective action due to releases from scheduled tanks Policy/Certificate satisfies federal requirements for financial responsibility (where applicable) Under ground storage tank policies are issued on an admitted basis Above ground storage tank policies are issued on a surplus lines basis No limitations on tank age or size!
LIMITS	From $500,000 per/$1 Million aggregate to $5 Million aggregate Deductible Options - $2,500/$5,000/$10,000/$25,000 Retroactive Dates of up to 10 years (except in FL)
PREMIUM	Minimum Policy Premium $350

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Package Options

CONTRACTORS PACKAGE	GL, Contractor’s Pollution Liab. and Professional Liab. Excess Limits available up to $25Million Min Policy Premium $20,000
SITE-SPECIFIC PACKAGE	GL, Premises Pollution Liab., Auto, and Umbrella Additional coverage options- On and off-site bodily injury, property damage, off-site cleanup, products pollution liab., and contractors pollution liab. Min Policy Premium $20,000
PREMIUM	Minimum Policy Premium $2,500

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