ENVIRONMENTALENVIRONMENTAL

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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