ENVIRONMENTAL

ENVIRONMENTAL PACKAGE

Advantages:

• $25 million limits
• “A+” A.M. Best Rating
• “A+” Standard & Poor’s Rating

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 pollution coverage
LIMITS	Up to $25,000,000
PREMIUM	Minimum Policy Premium $2,500

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PROFESSIONAL LIABILITY

COVERAGE HIGHLIGHTS	Claims seeking damages arising from an act, error or omission in the rendering or failure to render professional services Broad definition of professional services performed by or on behalf of the named insured Claims-made coverage; Available for practices and/or projects in conjunction with environmental coverages
PREFERRED RISKS	Environmental consultants performing professional services such as: Testing, monitoring or conducting remedial feasibility studies of pollutants Design of systems, protocols or remedial action programs for the remediation or abatement of pollutants Phase I, Phase II or Phase III assessments or remedial investigations Storage tank and pipe integrity testing Installation or maintenance of testing, monitoring or similar equipment Laboratory analysis of pollutants Project management of remediation activities Environmental compliance, permitting, training or safety consulting services General Contractors, Construction Managers or Specialty Contractors performing services that are non-environmental in nature and whose staff are involved with related professional exposures, such as: Review of plans to identify modifications that must be made during construction “Field modifications” to plans Project management, including hiring, scheduling and sequencing exposures Poor project, contractor or subcontractor selection
ENHANCEMENTS	Mold
LIMITS	Up to $25,000,000
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 pollution coverage (owned vehicles) Known conditions Non-owned disposal sites
LIMITS	Up to $25,000,000
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, Tanks, 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
LIMITS	Up to $5,000,000
PREMIUM	Minimum Policy Premium $10,000

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COMMERCIAL GENERAL LIABILITY

COVERAGE HIGHLIGHTS	Bodily injury and property damage liability – ISO 10-01 coverage form Covers work performed by or on behalf of the named insured (work by subcontractors) Occurrence or claims-made coverage; non-admitted paper in 49 states; admitted in MN Available to environmental contractor, consulting and facility accounts in conjunction with environmental coverages
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 Excess Pollution Follow Form Liability 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
ENHANCEMENTS	Blanket additional insured when required by contract Blanket transfer of rights of recovery when required by contract
LIMITS	Up to $25,000,000
PREMIUM	Minimum Policy Premium $2,500

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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
LIMITS	Up to $5,000,000

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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
ENHANCEMENTS	Scheduling of watercraft liability
LIMITS	Total Account Limits up to $25,000,000
PREMIUM	Minimum Policy Premium $2,500

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DIRECTIONS FOR SUBMISSION

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