Recently Written Account 7.14.20

$500k Asbestos, lead and mold remediation company purchased GL/CPL ($1M/$2M) and a $3M/$3M Excess policy for a total of $40,000. This is insured is a NJ based contractor doing minimal work in New York's 5 boroughs. We were able to fill the gap and offer the New York Labor La...


Recently Written Account 7.10.20

$35M Construction/remodeling business purchased a $5M/$5M Contractors Professional policy for $48,000. The insured was hired to renovate a gymnasium, which drove the request for CPL/E&O. Rather than purchasing a project policy, they bound a practice policy. The project w...


Spotlight: Septic System Contractors

Because septic system contractors typically work below ground, they often aren’t sure what they may encounter at jobsites. In addition to spills and wastewater considerations, there may be storage tanks, piping, or other equipment that could be punctured, affecting soil or...






Recently Written Account 6.16.20

$500k Asbestos/lead/mold remediation contractor purchased GL/CPL/E&O ($2M/$4M) and a $3M Excess policy for $50,583. This NJ based abatement contractor also does work in NY State and required Action Over coverage. We were able to provide broad terms at a competitive premi...





Recently Written Account 5.14.20

$1.35M Used oil recycler picking up waste oil from oil change facilities and other commercial clients. They purchased GL/CPL/E&O/EIL/Cyber ($1M/$2M), Auto coverage ($1M), and a $4M Excess policy. Premium totaled $167,080.


Recently Written Account 5.14.20

$2M Asbestos & lead abatement contractor purchased GL/CPL/Professional/Cyber ($5M/$10M) for $98,772. This is a NJ domiciled risk, working in NYC including operations the 5 boroughs. Clean loss history over the past 5 years. We were able to provide coverage including Labo...


Recently Written Account 5.13.20

Outpatient radiology clinic/medical office tenant purchased a 3-year, $1M/$1M Site Specific Pollution policy for $5,310. Coverage includes the landlord as an Additional Named Insured. Coverage includes the landlord as an Additional Named Insured. We provided same day turnaro...











































Recently Written Account 10.24.19

$2.1M Environmental site assessment consultant purchased GL/CPL/E&O ($1M/$2M) and a $2M/$2M Excess policy for $38,500. This insured performs some of their operations in New York. We were able to offer the primary and Excess without an Action Over exclusion and also provi...
















Environmental Exposures from Construction

Developing and renovating properties could result in costly and dangerous pollution issues By Ean Peyton, Underwriting Assistant It is difficult to drive to work, the store, or even just cruise around town without spotting a construction project in progress. From single...






CPL Coverage Starting at $1,000

PartnerOne Environmental offers A+ rated Contractors Pollution Liability for a wide range of contractors and consultants. We offer extremely fast turnarounds, product enhancements, and more. Learn about PartnerOne CPL Submit an account














Recently Written Account 6.10.19

A tire store with retread locations (31 locations with 118 ASTs all installed in 1990). The insured purchased Storage Tank Liability and Site Pollution Liability, Waste Transportation, and Third Party Liability for Non-Owned Disposal Locations for $19,906.









Recently Written Account 5.6.19

$1.2M Asbestos/demolition contractor in New York purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $41,000. The insured does not work in the 5 boroughs; we were able to offer terms with NY Labor Law coverage.




Railroad Protective Liability

By Allison McGreal, Assistant Vice President A typical Commercial General Liability Policy will exclude contractual liability which “indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any ra...


Recently Written Account 4.24.19

$10M Commercial masonry contractor purchased Contractors Professional ($2M/$2M) for $9,199. Coverage includes Transit Pollution, Time Element Site coverage, NODS, and Mold as well as Mitigation, and other enhancements to satisfy and exceed requirements.







Recently Written Account 4.8.19

$37M HVAC business with 280 employees purchased CPL, Mold, Blanket Non-Owned Disposal Site Coverage (On & Off Site Retro Date), Transportation Pollution Liability, Defense Outside the Limits, and Cyber for $10,326.







Recently Written Account 3.18.19

$375k Environmental consultant purchased GL/CPL/E&O ($2M/$2M with $2,500 deductible) for $5,207. Services include expert witness, air quality sampling and testing, safety inspection and testing, industrial hygiene, and mold investigations.




EPA Regulations for Underground Storage Tanks

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...


Recently Written Account 3.1.19

$1.8M Abatement contractor purchased GL/CPL ($1M/$2M) and Excess ($5M) for $75,000. This is a NJ domiciled risk taking on work in NY State, a small percentage of which is in the 5 boroughs. We were able to offer a comprehensive policy including labor law coverage.




Recently Written Account 2.19.19

$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...













Recently Written Account 1.4.19

$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...






Spotlight: Landfill Pollution Exposures

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...









Recently Written Account 10.25.18

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.




Recently Written Account 10.8.18

$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...









Recently Written Account 9.6.18

$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.






Tips to Manage Your Accounts Better

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...













Recently Written Account 7.2.18

$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...






Recently Written Account 5.23.18

$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...



Recently Written Account 5.8.18

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.









Recently Written Account 3.22.18

$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...


Recently Written Account 3.15.18

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...



Recently Written Account 2.28.18

$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....


Recently Written Account 2.20.18

$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....



Recently Written Account 1.23.18

$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...



Success Story 6.6.17

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.


Success Story 5.23.17

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.




Insured Spotlight: Analytical Laboratories

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...


Success Story 4.20.17

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.









Action Over Coverage in New York

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...






Is an Excess Insurance Policy Ever Excessive?

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, ...





Recent success story - 12.15.15

$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...





Important Facts about Action Over

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...





Hired and Non-Owned Auto: The Exposure is Real

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...



3 Steps to a Better Site Pollution Submission

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...


How to Think Like an Underwriter

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...




Understanding Insurance Subjectivities

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...




Environmental Spotlight: Vacant Properties

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,...


Account Profile: Environmental Driller Renewal

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...


Site Pollution Coverage for Medical Facilities

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...



Changes in the Environmental Marketplace

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...