$390k Asbestos/lead abatement and mold remediation contractor purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $22,000. The insured is an experienced NY contractor with a clean loss history and no work in the 5 boroughs. They received renewal terms from their prior carrier that had an Action Over exclusion. Realizing the importance of this coverage, the insured purchased primary and Excess with PartnerOne with no NY Labor Law exclusions.