The environmental exposures that can affect an insured are varied and complex. Whether you are working with environmental contractors and consultants, non-environmental risks, or a site/facility, there are many exposure and coverage considerations. Pollution claims can result from so many unforeseeable sources―negligence on the part of an employee, mold from a storm, cleaning product spills, historical pollution problems at a site, and countless other possible issues.
Additional Resources:
- Important Facts About Action Over
- Action Over Coverage Revisited
- Finding Environmental Exposures in the Oilfield
- Insured Spotlight: Analytical Laboratories
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PartnerOne Package
Target risks include, but are not limited to:
- Bioremediation Contractors
- Environmental Consultants/Engineers
- Analytical Laboratories
- Indoor Air Quality Consultants
- Emergency Response Contractors
- Fire/Water Restoration Contractors
- Asbestos/Lead/Mold Abatement Contractors
- Soil/Groundwater Treatment Contractors
- Industrial Hygiene Consultants
- Safety and Health Consultants
- Waste Brokers
- Vacuum Truck/ Septic Tank Cleaning Contractors
- Geothermal Contractors/Consultants
- LEEDS/Sustainable Development Consultants
- Commercial Solar
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PartnerOne Premises Pollution
Target risks include, but are not limited to:
- RCRA Facilities
- Industrial Plants
- Warehousing & Storage Facilities
- Recycling Facilities
- Landfills or Transfer Stations
- Water/Wastewater Treatment Facilities
- Biofuel Facilities
- Shopping Centers & Retail Facilities
- Office Buildings/Commercial Real Estate
- Farm/Agribusiness Facilities
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PartnerOne Contractors Pollution Liability Insurance
Target risks include, but are not limited to:
- General Contractors
- Restoration Contractors
- HVAC/Mechanical Contractors
- Plumbing Contractors
- Utility Contractors
- Roofing Contractors
- Electrical Contractors
- Sewer/Septic Contractors
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PartnerOne Self Storage Plus
Target risks include, but are not limited to:
- Self storage facilities of all sizes.
- Facilities specializing in portable storage.
- Both outdoor and climate controlled/indoor storage.
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PartnerOne Facilities Casualty & Pollution
Target risks include, but are not limited to:
- Environmental products manufacturing
- Transfer stations
- Wastewater treatment plants, private or industrial
- Landfills
- Recycling operations, scrap metal, electronics, oil, paper or aluminum
- Warehousing, cold storage
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PartnerOne Contractors Pollution & Professional
Target risks include, but are not limited to:
- Carpenters
- Construction Managers
- Drywall Contractors
- Electrical Contractors
- General Contractors
- Painting
- Roofing
- Utility
- Excavation and Grading
- Plumbing
- Street and Road Contractors
- Structural Steel
- Sewer and Water
- Glass and Glazing Contractors
- HVAC Contractors
- Industrial Maintenance
- Insulation
- Masonry
- Mechanical
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PartnerOne Fuel Solutions
Target risks include, but are not limited to:
- Auto/boat/recreational vehicle repair & maintenance facilities
- Gas stations
- Convenience stores
- Car/boat/recreational vehicle dealerships
- Alternative fuel locations
- Charging stations
- Agricultural risks with farm equipment
- Golf courses
- Marinas
- Any location with a tank and/or backup generator such as a hospital, hotel, condo, school, municipality, or cell phone tower.
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PartnerOne Auto
Target risks include, but are not limited to:
- Consultants who perform: site remediation consulting, asbestos/lead/mold PCB testing & consulting, civil engineering, environmental training and education and AST/UST testing.
- Contractors who perform: asbestos/lead/mold removal, restoration firms, UST/AST tank removal and maintenance, lab packing, soil/site remediation, sewer/septic cleaning, emergency response/hazmat clean up, industrial cleaning/UST/AST cleaning, air/soil/water sampling, environmental drilling, demolition contractors, recycling/scrap metal, excavation, painting, and pipeline cleaning/installation.
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PartnerOne Workers Compensation
Target risks include, but are not limited to:
- Consultants who perform: site remediation consulting, asbestos/lead/mold PCB testing & consulting, environmental training and education and AST/UST testing.
- Contractors who perform: asbestos/lead/mold removal, restoration firms, UST/AST tank removal and maintenance, lab packing, soil/site remediation, sewer/septic cleaning, emergency response/hazmat clean up, industrial cleaning/UST/AST cleaning, air/soil/water sampling, environmental drilling, demolition contractors, recycling/scrap metal, excavation, painting, and pipeline cleaning/installation.
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PartnerOne Cyber Liability
Target risks include, but are not limited to:
- Any business that utilizes computers and/or other technology to run its operations.
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PartnerOne Dealer & Repair
Target risks include, but are not limited to:
- Small dealerships
- Auto repair shops
- Car, motorcycle, RV, and tire dealerships
- Auto repair and service centers
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PartnerOne Renewable & Alternative Energy
Target risks include, but are not limited to:
- Commercial solar contractors and solar farm operators
- Electric charging station/alternative fueling station installation contractors
- Biomass/waste to energy installation
- Compost digestors/waste to energy
- Geothermal installation contractors
- Methane gas collection