By Michelle Huitt-Megela, Assistant Vice President All tank owners should be familiar with the UST regulation (40 CFR Part 280) because it defines the Financial Responsibility of each tank owner as it pertains to their underground storage tanks (USTs). This regulation was...

By Adam Saydlowski, Underwriter Auto insurance is a growing need for many people and businesses. More people are driving now than ever, driving to work, school, and to complete errands. Millennials, now the largest portion of the population, are moving out of large cities...

$1.7M Asbestos & demolition contractor purchased GL/CPL ($1M/$2M) and a $5M Excess policy for a total of $98,750. This insured is a NY contractor with some claim activity and the need for certain specific coverages as required by the State of NY. We were able to offer te...

$250k Environmental consultant purchased GL/CPL/E&O ($1M/$2M) for $2,583.

$13M Street and road contractor purchased CPL/Professional ($1M/$1M) for $8,200.

$900k Remediation consultant purchased GL/CPL/E&O ($1M/$2M) and a $4M Excess policy for $13,711.

$4.5M Barricade/traffic control contractor purchased CPL/Professional ($1M/$1M) for $5,165.

$18M Electrical contractor purchased CPL/Professional ($1M/$1M) for $10,106.

$1.3M Asbestos abatement and demolition services company purchased GL/CPL/E&O/Cyber ($2M/$5M) and a $2M Excess policy for $20,000.

$1.2M Demolition contractor purchased CPL with Cyber Liability ($5M/$5M) for $9,250.

By Vonnie Nuce, Senior Underwriter A retroactive date may be defined as: A provision found in many claims-made policies that eliminates coverage for claims produced by wrongful acts that took place prior to a specified date, even if the claim is first made during the poli...

$2.5M Asbestos abatement contractor purchased GL/CPL/E&O ($1M/$2M) and Excess ($10M) for a total of $33,000.

$42M General contractor purchased a $2M/$2M CPL policy for $13,500.

A business with gas stations and convenience stores, including 4 locations and 12 tanks, purchased Storage Tank Liability with 1st and 3rd Party Clean Up and Defense ($1M/$1M) for $15,771.

$1M Asbestos abatement and interior demolition contractor purchased Occurrence GL/CPL and Claims Made Professional Liability, as well as Excess (combined $6M/$7M) for $42,500. Domiciled in NJ, this contracting firm also works in NY State. We were able to offer coverage, incl...

$1.8M Demolition and abatement contractor purchased Occurrence GL/CPL and Excess (combined $6M/$7M) for $27,250.

By Chris Reilly, Underwriting Service Manager Imagine your insured’s customer has provided the insured with keys to their building where the project is taking place. Upon arrival it becomes apparent that the keys are nowhere to be found. It is later discovered a hole in...

$1.8M Storage tank contracting services company purchased GL/Contractors Pollution & Professional ($1M/$2M) for $10,600.

$1.1M Interior demo and asbestos abatement services company purchased GL/Contractors Pollution & Professional/Mold ($1M/$2M) for $9,300.

By Ean Peyton, Underwriting Assistant While the population continues to expand, the amount of waste we as a society produce continues to grow. Although there are many alternatives to simply “throwing our trash away,” landfills continue to be utilized for disposal of n...

By R. Ivy Riggs, CPCU, ASLI, AIS Possibly the easiest request to anticipate from your underwriter is for the insured’s loss history.  This is true no matter the line of business or the insured’s qualifications. The central reason for why this request is so common is...

$1M Asbestos abatement and demolition contractor domiciled in NY purchased GL/CPL ($1M/$2M) and a $5M Excess policy for a total of $45,080.

$250k Environmental consultant specializing in cathodic protection testing of pipelines & tanks purchased GL/CPL/E&O ($1M/$2M) and a $10M Excess policy for $18,312.

$3.4M Window installation contractor purchased a CPL policy ($2M/$2M) for $6,782.

$1M Fire & water restoration contractor purchased GL/CPL/E&O ($1M/$2M) and a $2M Excess policy for $11,152.

$300k Medical waste transport and waste brokering business purchased GL/CPL/E&O ($1M/$2M) for $3,400.

$2.3M Industrial cleaning contractor purchased GL/CPL/E&O ($1M/$2M) for $11,504.

A group of 6 automobile dealerships with 29 tanks purchased Storage Tank Liability, Site Pollution Liability, including Defense, Third Party Non-Owned Disposal Sites, Waste Transportation, and Business Interruption. Premium totaled $9,811.

$2.2M Manure contractor purchased CPL/TPL ($2M/$2M) for $20,165.

$450k Safety & emissions consultant performing some consulting work in Eastern Europe purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $12,790.

$1.3M Asbestos abatement and demolition contractor in NY purchased GL/CPL ($1M/$2M) and a $5M Excess policy for $65,137. The majority of the insured’s work is demolition, but because of the 30% abatement operations, we were able to offer a package quote as well as the exce...

A gas & electric company with 14 locations and 66 tanks purchased Storage Tank Liability ($1M/$2M) for $84,622.

$1M Tank testing contractor purchased CPL/E&O ($1M/$2M) for $6,000.

$3.1M Soil remediation and hydroexcavation services company purchased GL/CPL ($1M/$2M) and a $4M Excess policy for $36,000.

$5.3M Plumbing/HVAC contractor purchased CPL/E&O ($2M/$2M) for $10,377.

$21M Project for a residential property that includes a wastewater treatment plant purchased a $1M EIL policy for $5,260.

$10M Commercial general contractor purchased CPL wit Mold ($5M/$5M) for $9,000.

A bulk fuel distributor with two locations and 13 tanks purchased storage tank liability and EIL ($2M/$2M) for $21,500. Coverage includes Waste Transportation, Non-owned Disposal Site coverage, and Defense.

$2.2M Company specializing in industrial cleaning and hauling of lubricants for disposal purchased GL/CPL and an Excess policy (combined $5M/$5M limits) for $47,400. We were able to offer broad coverage with no action over exclusion.

$5M Environmental remediation contractor purchased GL,CPL,E&O ($1M/$2M) and a $10M Excess policy for $60,000.

$500k Contractors performing asbestos/mold abatement, decontamination, and some demolition and build back purchased GL/CPL/E&O ($2M/$2M) and a $1M Excess policy for a total of $8,682.

$500k Environmental contractor purchased GL/CPL/E&O ($3M/$3M) and a $2M Excess policy for $12,714.

$2.35M Environmental consultant purchased GL/CPL/E&O including Mold ($2M/$2M) and a $2M Excess policy for $18,250.

By Allison McGreal, Assistant Vice President We are all so busy in life and in work that we rarely have time to get through the daily tasks we set out to complete. Just when we have a handle on our list of to-do items, additional things get added. When working on an acco...

$18M Concrete/excavation contractor purchased a $1M/$1M CPL policy for $8,594.

$8M General contractor purchased CPL/E&O ($2M/$2M) for $9,200.

A franchised oil center with 13 locations and 67 tanks purchased Storage Tank Liability/Site Pollution Liability ($1M/$1M) and Waste Transportation/Non-owned Disposal Site coverage ($100k/$100k) for $24,471.

$1.4M Environmental consultant purchased GL/CPL/E&O ($5M/$5M) for $17,500.

$30M Plumbing contractor purchased CPL/E&O ($1M/$1M) for $15,280.

$7.5M HVAC contractor purchased CPL with Occurrence Mold coverage for $5,900.

$1.25M Asbestos abatement contractor purchased GL/CPL ($1M/$2M) for $34,425. The insured is a NY domiciled risk; we were able to offer comprehensive coverage including NY Labor Law.

$8M Commercial and industrial contractor purchased a $1M CPL/E&O policy for $6,300.

$450k Porta potty rentals and septic services company purchased GL/CPL ($1M/$2M) and $5M Excess policy going over the Auto for a total of $14,796.

By Chris Reilly, Underwriting Service Manager If you’ve ever submitted a midterm change request or asked a question partway through quoting that required additional rating, you’ve most likely heard the words “Let me run that by my underwriter.” This commonly utter...

$3M Recycler purchased GL/CPL ($1M/$2M) for $10,585. The insured's agent had gone out of business, leaving them unable to obtain loss runs. We were not only able to bind subject to a No Known Loss letter instead, but also picked up their expiring retro date in transitioning...

$2.4M Waste broker and recycling firm purchased GL/CPL/E&O ($1M/$2M) and a $2M Excess policy for a total of $23,000.

Waste hauler with a 3 million gallon waste tank purchased Storage Tank Liability coverage ($1M/$2M) for $7,200.

What is radon and how does exposure happen? Radon is a radioactive gas that is extremely difficult to detect because it has no color, odor, or taste. It is naturally present in the Earth and is produced when radium decays. What makes radon unique and potentially hazardous i...

A municipality with several locations purchased Storage Tank Liability coverage for $7,162.

$6M Asbestos & lead abatement contractor purchased GL/CPL/E&O ($1M/$2M) and a $4M Excess for $56,670. This renewal has a loss ratio in excess of 350% but we were able to keep it on the books with additional loss control measures. We were even able to grow the account...

$2M Environmental waste transportation and disposal firm in AL purchased GL/CPL/E&O ($1M/$2M) and a $6M Excess for $44,850.

A book of gas stations with 76 locations and 228 tanks purchased Commercial Storage Tank coverage ($2M/$5M) for $44,205 in premium with a $250k deductible. We were able to place coverage for all which ranged in age from 1978 to 2016.

$16.5M General contractor purchased a $5M/$5M CPL/E&O policy for $19,604. This was an experienced GC, focused on commercial and industrial projects.

$2.5M Asbestos abatement and demolition contractor purchased GL/CPL/E&0 ($1M/$2M) and a $5M Excess policy for $33,000.

By Katie Labonte, Associate Underwriter and Megan Stephens, Managing Underwriter You might think of medical waste disposal companies as only transporting waste from hospitals or physicians’ clinics, but the range of facilities that these companies partner with can be fa...

$270k Organic fertilizer applicator with composting facility purchased GL/CPL ($1M/$2M) for $5,249. The terms included both 3rd party Site Pollution Liability and Products Pollution Liability coverage.

By Amanda Duncan, President “Where we’re going, we don’t need roads” – the iconic statement from Doc Brown in the movie Back to the Future in 1985 gave us kids of the 1980s hope we would be in flying cars by now. While we aren’t quite there yet, alternative fu...

A trucking company in WV with 4 tanks at the main location and 1 tank temporarily installed at a mine for use with their trucks only. The company purchased a $1M Storage Tank Liability policy for $1,132.

By R. Ivy Riggs, CPCU, ASLI, AIS For those who work in the insurance industry, evaluating worst-case scenarios may feel like nothing more than a daily mundane task. But because terrorist attacks have not yet become so frequent in this country that they feel routine, many...

$1.675M Abatement & demolition contractor purchased GL/CPL ($1M/$2M) and a $5M Excess policy for $82,685. This is a NY domiciled contractor working upstate with a clean account and highly qualified staff. We were able to offer terms including Action Over coverage to secu...

Tire store with retread locations purchased Site Pollution and Storage Tank Liability, including waste transportation and third party liability for non-owned sites for a total premium of $19,906. This account included all aboveground tanks where the insured has implemented a...

By Michelle Huitt, Assistant Vice President How many times have you been frustrated with the back and forth on a minimum premium Commercial Storage Tank account? And because these policies are used to provide Financial Assurance to the states, a quick turnaround is often...

$1.4M Real estate foundation/non-profit organization purchased a 3-year, $3M/$3M EIL policy for $20,079. This non-profit was established to acquire, hold, manage, sell, lease, participate in the development of real estate in support of the educational goals of a university....

$500k Environmental consultant who performs Phase I, II, III, monitoring, and minimal contracting purchased GL/CPL/E&O ($1M/$2M) for $15,953. Located on Long Island, this environmental consulting firm anticipates about 75% of their work to be performed in the 5 boroughs....

An airport with 12 aboveground storage tanks purchased Storage Tank Pollution Liability ($1M/$2M) for $8,249.

$1M Environmental drilling, soil, and groundwater remediation contractor purchased GL/CPL ($1M/$2M) and a $4M Excess policy for a total of $32,824. This is a NJ domiciled risk doing work in NY State. This came from a carrier that changed their appetite on NY business and we...

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By Michelle Huitt, Assistant Vice President With only a couple of exceptions, most states have a State Fund that the owners of underground storage tanks can participate in to meet Financial Assurance requirements. This regulation refers to the limits of insurance the insu...

By R. Ivy Riggs, CPCU, ASLI, AIS Nearly 60 years ago, a man who was employed by a major American corporation to purchase its insurance published an article that would become a cornerstone of modern risk management.  His name was Richard Prouty, and his proposal for how t...

Gas station with 5 locations and 16 tanks purchased Storage Tank Coverage ($1M/$2M) for $15,803. This was a renewal with older tanks that we were able to maintain with proper testing.

An auto dealership purchased EIL, Storage Tank Liability ($1M/$1M), Waste Transportation Liability and Third Party Non-Owned Disposal Sites ($25k/25k) for a total of $5,316.

Allison McGreal, Assistant Vice President, Underwriting Division We all keep hearing we’re in a soft market, but then, aren’t we always? With the entrance of many new markets, pricing has become so depressed that pretty soon, we will be paying the clients to take our...

$400k Pipeline and tank inspection company purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $14,500.

By Katie Labonte, Associate Underwriter Analytical laboratories are just one type of environmental consultants that we see, but they’re becoming increasingly prominent in today’s world. The services these laboratories provide can range from the analysis of soil and wa...

Tire store with 31 locations and 118 tanks, including sales stores, warehouses, and retread centers. They purchased Storage Tank Coverage, EIL, Waste Transportation, and NODS for $19,225.

By Amanda Duncan, President, PartnerOne Environmental Spring has sprung and it is a busy time for the thousands of landscaping companies located throughout the country. Landscaping contractors are involved in several different types of services; some companies may perform...

$2.5M Groundwater/soil remediation contractor purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $22,500.

Asbestos abatement & interior demolition contractor in NY purchased GL/CPL/E&O ($1M/$2M) and a $4M Excess policy for $183,000.

$3.7M Environmental consultant in NY purchased GL/CPL/E&O, including Action Over, ($1M/$2M) and a $4M Excess policy for a total of $42,407.

$2.3M Company specializing in industrial cleaning and hydroblasting services purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $36,000.

By Michelle Huitt, Assistant Vice President With more than 15,000 golf courses covering approximately 1.7 million acres of land in the United States, these facilities can pose a significant risk to our environment. Golf courses typically have aboveground storage tanks wit...

$2M Asbestos & lead remediation contractor focusing on interior demolition in CA purchased GL/CPL ($4M/$4M) for $18,155.

By Allison McGreal, Vice President, PartnerOne Environmental In recent years, insurance carriers have been treating New York accounts like they are doing the Hokey Pokey. They’re in, or they’re out, or they are shaking it all about with exclusions. Many insurers that...

By Michelle Huitt, Assistant Vice President Dealerships and repair shops typically have aboveground storage tanks with capacities of up to 550 gallons, which means that the tanks are not regulated by the states and therefore do not require Financial Assurance. Based on th...

By Amanda Duncan, President, PartnerOne Environmental Travel around any city – big or small – and you inevitably pass by a variety of commercial, industrial, and retail properties. For instance, there are over 17,000 car dealerships throughout the USA. Over 50,000 sel...

By R. Ivy Riggs, CPCU, ASLI, AIS Executive Underwriter, PartnerOne Environmental One of the most widely misunderstood features of an environmental insurance policy is the definition of pollutant (or in some cases pollution condition).  For some, the confusion arises fro...

About the insured: The business seeking coverage operates a convenience store with underground tanks on the property and gas pumps used for the sale of gasoline. The insured has coverage in place through the state fund, but needed coverage to cover the deductible and defens...

By R. Ivy Riggs, CPCU, ASLI, AIS Executive Underwriter, PartnerOne Environmental When the average person hears the word “excess,” it may call to mind a host of admonitions that permeate our culture:  don’t eat to excess; don’t drink to excess; or classically, �...

By Allison McGreal, Assistant Vice President, PartnerOne Environmental When a friend tells you he needs a root canal, you cringe. It sounds just awful. You empathize but are thankful it’s him, not you. Broker of Record (BOR) letters often illicit the same reaction, depe...

Helping insureds understand why environmental Is an essential part of their coverage needs By Amanda Duncan, President, PartnerOne Environmental Pollution Insurance.  As a carrier, broker, or agent our job is to sell the product to an insured. We all know the insured...

$1.15M Environmental consultant (specializing in industrial cleaning and waste disposal services for state of TX) purchased GL/CPL/E&O and a $5M Excess policy for a total of $22,207.

$65M General contractor performing construction management with minimal non-environmental contracting including carpentry, electrical, plumbing, etc. They purchased a $5M/$5M CPL/E&O policy for $64,999. PartnerOne initially received a request for CPL, only, but were able...

By Ivy Riggs, Executive Underwriter After years of supporting smoking cessation campaigns, life and health insurers may be delighted that their efforts seem to be paying off. According to recent CDC statistics, tobacco smoking in the United States has declined from nearly...

By Amanda Duncan, President It is no secret that the environmental insurance marketplace is as competitive as ever, with over 30 carriers offering various products targeting contractors, consultants, facilities, and products. Premiums are affordable and rate increases hav...

We are pleased to announce that PartnerOne Environmental's President, Amanda Duncan, has been named as one of Insurance Business America's 2015 Elite Women in Insurance. Amanda has been instrumental in growing PartnerOne's business and establishing strong relationships with...

By Allison McGreal, Assistant Vice President If you Google the term "Action Over" you can find a plethora of articles written by lawyers and insurance professionals explaining the coverage, the NY Labor Laws and how the GL policy may be impacted. Each article may be an...

By Amanda Duncan, President, PartnerOne Environmental More non-environmental contractors are purchasing Contractors Pollution Liability (CPL) policies than ever before for a variety of reasons. It may be a contractual requirement for specific projects or a more proactive...

By Amanda Duncan, President Farms and agri-service facilities face many potential pollution exposures, regardless if they are located in rural or urban locations. Farming facilities of all shapes and sizes, including crop farms, wineries, etc., should be aware of the po...

By Allison McGreal, Assistant Vice President, PartnerOne Environmental Let's face it, some insurance policies are easier to sell than others. Imagine being able to work with a client who wanted to buy coverage at any cost or a carrier who wanted to offer the broadest cove...

By Amanda Duncan, President, PartnerOne Environmental It's a regular occurrence for an environmental underwriter: we offer a quotation for a contractor/consultant and then get asked to throw in some Hired and Non-Owned Auto coverage because the insured had no owned vehicl...

By Gayle Schumacher, Underwriter At PartnerOne Environmental, we are happy to see warmer weather arrive and the snow finally off the ground! Spring thaw also brings chirping birds and gutters that sound like babbling brooks. These wonderful sounds turn into thoughts of pa...

By Ivy Riggs, Executive Underwriter Do you dream of the day when automated quoting systems remove pesky underwriters from the production loop? A day when you can get your Site Pollution quotes instantly, with no irritating follow-up questions or caveats to slow down the p...

By Allison McGreal, Assistant Vice President, PartnerOne Environmental As an underwriter it's important to understand what motivates the broker and the insured to purchase a particular insurance policy. Perhaps they are looking for a specific type of coverage or maybe the...

By Amanda Duncan, President, PartnerOne Environmental Traditional environmental risk exposures have been insurable in the marketplace for many years. Services such as asbestos/lead abatement, soil/groundwater remediation, storage tank contracting, wastewater treatment, an...

By Amanda Duncan, President, PartnerOne Environmental There are over 50 million self storage facilities currently operating across the United States today. The self storage industry continues to grow as demand for space remains high; it is an industry that doesn't seem ph...

By Megan Stephens, Underwriter When an insured receives a quote, one of the first items they review is the subjectivities. The list of required subjectivities can be intimidating, but carriers have reasons for requesting this information. Understanding the purpose of each...

By Allison McGreal, Assistant Vice President, PartnerOne Environmental One of the more difficult tasks for an insurance agent or broker is finding the right carrier partners to place coverage. One approach is to send an application to every carrier you know and see which...

By Ivy Riggs, PartnerOne Environmental Executive Underwriter Have you ever been asked a question so peculiar you could only conclude that the person asking it had no idea what they were talking about? For many producers who work frequently with contractors, this situation...

By Allison McGreal, Assistant Vice President Much of the insurance industry business is driven by contract requirements. Two specific areas that come up quite often are the need for Contractors Pollution Liability (CPL) for non-environmental contractors and higher limits...

By Amanda Duncan, President, PartnerOne Environmental There are over 14 million properties that are vacant or abandoned across the United States. Real estate is considered a vacant property when it is not currently occupied or in use. Vacant properties can be commercial,...

By Ivy Riggs, PartneOne Environmental Executive Underwriter Often when producers get a request for Pollution insurance, there aren't any qualifiers that explain the need behind the request. But because there are so many types of environmental coverage available today, a f...

By Megan Stephens, PartnerOne Environmental Underwriter PartnerOne Environmental recently had a renewal where the insured, an environmental driller, was seeking additional coverage. This insured is typically called by their clients in the event of a spill; they do not cle...

By Amanda Duncan, President, PartnerOne Environmental Healthcare facilities, from large hospital campuses to corner drugstores, face many potential pollution exposures. These exposures are typically excluded from a General Liability and/or Property insurance policy, so it...

By Allison McGreal, Assistant Vice President, PartnerOne Environmental In this era of free agency, what if the insurance industry operated like the National Football League?  When the "contract" (insurance policy) expires, will your "free agent" (insured) take their bu...

PartnerOne Environmental has built our business model around stability--offering quality coverage with reliable service is our priority. When carriers are downgraded or sold, it can pose very serious challenges for insureds. Most contractors need to be insured by an A-rated...