Enviant, a division of One80 Intermediaries offers a policy geared for a wide range of manufacturers, distributors and environmental services firms that combines general liability, site pollution, contractors’ pollution, and professional liability.
General and Pollution Liability Environmental Services/Sites (GAPLESS) Overview
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The target classes and typical risks we focus on for this program are:
Manufacturers and Distributors
- Abrasives
- Adhesives/sealants, caulking
- Asphalt (manufacture, deliver and pour – no installation)
- Bolts and screws
- Cement and plaster
- Chemical ingredients
- Coatings (including paint)
- Electrical/electronic parts
- Equipment used to clean-up, treat, monitor, and control or measure pollution
- Fertilizer, herbicide, pesticide, landfills, insecticide (no application)
- Floor covering
- Fuel additives
- Ink
- Interior building finishing materials
- Bio diesel
- Lubricants/oils
- Non-critical auto parts
- Metal goods
- Paper/pulp
- Personal care products
- Plastic rubber goods
- Resin
- Soap/detergent
- Solvents
- Storage tanks
- Valves
- Waxes/polishes
- Aerosol fillers
- Color or pigmentation
- Drum reconditioning
- Electroplating
- Foundries
- Quarries
- Tool and die casting
- Waste to energy
- Waste treatment, storage and disposal (landfill, recycling, incineration, transfer station)
- Wood preserving
Environmental Contractors:
- Environmental engineering
- Environmental consulting
- Underground Storage Tank/Aboveground Storage Tank installation, removal and maintenance
- Industrial cleaning and restoration
- Environmental construction
- Emergency response clean-up
- Phase I and Phase II
- Barrier and liner construction
- Mobile treatment, recycling
- Wetland contracting
- Drilling and sampling
- Environmental demolition and abatement
- Asbestos/lead abatement
- Environmental lab analysis/lab packing
- Indoor air quality sampling
- Health and safety training and consulting
- Mold inspecting and remediation
- Fire/water/accident/disaster restoration contracting
- Waste brokering
- Geology/hydrogeology consulting or mapping
- Septic contracting, cleaning, and maintenance
- PCB clean up
- Alternative energy contractors
- Dredging
The highlighted features of this exclusive program include:
- Best-in-class
- Experienced and specialized underwriting, engineering, legal and claims expertise
- Comprehensive, state-of-the-art environmental insurance policies
- A.M. Best A XV security
- Fast, responsive underwriting decisions
- 24/7/365 emergency response support and crisis
The available coverages we have to offer for this program are:
- Premiums are flat and non-auditable
- Blanket non-owned locations for warehouses and storage as well as disposal sites
- Blanket transportation – no at rest limitation, covers both direct and contingent
- Blanket time element location coverage, occurrence with defense outside the limits
- Mis-delivery of liquid products included in transportation
- Worldwide products and products pollution coverage
- No E&O exclusion under the general liability or contractors’ pollution
- Blanket additional insured where required by written contract
- Blanket waiver of subrogation
- No watercraft length limitation
- Primary and non-contributory wording
- Broad definition of a pollutant including mold and Legionella
- Automatic acquisition coverage
- Knowledge of occurrence
- Notice of occurrence
- Crisis management expense in addition to limits
- Per location and per project aggregates
- Non-sudden Site pollution coverage for owned and non-owned locations