Recently Written Account 11.14.22

$1.95M Environmental consultant offering breathing air and gas monitoring systems for multiple clients. The insured purchased a $1M Auto policy for $19,591. We already write the GL, and our producer wanted to see if we could help on the Auto as well to write all lines with o...









4th Quarter Storage Tank Submissions

Now is the time to submit your end of the year tank accounts! We have experience working with producers around the country to bind storage tank business ranging from small businesses to multi-location companies requiring customized coverage solutions. Learn more. Avai...




Recently Written Account 10.6.22

An abatement contractor purchased a $1M Workers Compensation policy for $425k. PartnerOne already writes the primary and Excess for this NY abatement contractor. We were able to offer the Workers Comp as well, rounding out the account.








Recently Written Account 9.25.22

$70M General contractor who specializes in concrete, excavation, street & road construction, and utility contracting purchased Contractors Pollution Liability ($5M/$10M) for $41,345, Coverage includes Mold, Transportation Pollution Liability, and Non-Owned Disposal Site...




Recently Written Account 9.8.22

$1.8M Demolition contractor specializing in interior tear outs, including recycling of salvages materials. The insured purchased GL/Contractors Pollution Liability ($1M/$2M) and a $4M/$4M Excess policy for $21,176. We received this submission with less than 24 hours before e...










Recently Written Account 7.26.22

$2.5M Concrete contractor purchased a $1M/$2M Contractors Pollution & Professional policy for $6,000. Although our premium was higher than the incumbent's, we significantly broadened their coverage to earn their business.





Recently Written Account 7.10.22

$3.2M Environmental contractor, performing installation and removal of USTs, purchased GL/Contractors Pollution Liability, including EBL, Transportation Pollution Liability, Non-Owned Disposal Site coverage, Cyber (combined $1M/$2M) and a $1M Excess policy for $19,859.


Recently Written Account 7.9.22

$3M Environmental consultant focusing on soil remediation purchased GL/Contractors Pollution Liability/E&O and Excess (combined limits $5M/$5M) for $96,269. This account had large prior losses, but with some changes in their risk management to help mitigate, and with hig...







Recently Written Account 6.20.22

$3.87M Green waste recycling & demolition company purchased GL/Contractors Pollution Liability ($1M/$2M) and Excess ($3M/$3M) for $65,344. This insured suffered an extreme shock loss several years ago but took appropriate steps to prevent and mitigate future such losses,...


Recently Written Account 6.19.22

$3M Environmental consultant specializing in environmental site assessments and sampling purchased GL/Contractors Pollution Liability/E&O, and Excess (combined limits $5M/$5M) for $96,500. This insured had open claims but based on risk management/loss control measure put...



Recently Written Account 6.15.22

$34M Security system installation company purchased Contractors Pollution Liability, Transportation Pollution Liability, Non-Owned Disposal Site Coverage, Mold, and Cyber ($1M/$1M) for $9,838. We previously wrote a project policy for this insured and at the end of the projec...


Recently Written Account 6.12.22

$1.1M Fire/water restoration contractor purchased GL/Contractors Pollution Liability/E&O, Transportation Pollution Liability, Non-Owned Disposal Site Coverage, Microbial Substance Coverage ($1M/$2M) and $3M Excess policy for $22,627.







Recently Written Account 5.6.22

$2.25M Environmental contractor and installer of fuel systems purchased GL/Contractors Pollution Liability ($1M/$2M) and Excess ($5M/$5M) for $27,087. The CPL was previously written on a claims-made basis due to tank installation operations, but we provided nose coverage to...



Environmental Exposures from Construction

Developing and renovating properties could result in costly and dangerous pollution issues It is difficult to drive to work, the store, or even just cruise around town without spotting a construction project in progress. From single family homes and apartment development to...



Recently Written Account 4.15.22

$1.7M Asbestos & lead abatement contractor purchased GL/Contractors Pollution Liability ($1M/$2M), Excess ($2M/$2M), Auto, Workers Compensation for $172,000. This is a NJ based abatement contractor also working in NY. The insured requested an option to include NY Action...





Recently Written Account 3.29.22

$1.7M Manufacturer/metal finishing business purchased a $1M/$1M Site Pollution Liability policy for $5,000. Although this firm has been in operation since the 1960's, they never carried pollution coverage before. With a recent change in ownership, the decision was made to pr...




Recently Written Account 3.14.22

$2.05M Asbestos abatement and interior demolition contractor purchased GL/Contractors Pollution Liability ($1M/$2M) for $49,379. The insured is a newly established New York business  with highly qualified staff; no work in the 5 boroughs. We were able to offer the broad ter...




Recently Written Account 3.4.22

$900k Environmental consultant (lab testing, Phase I, II, III) purchased GL/Contractors Pollution Liability/E&O ($1M/$2M) for $14,466. This insured is NY domiciled and 100% of operations will be performed in the 5 boroughs of NY. Includes Action Over coverage.







Recently Written Account 2.7.22

$1.2M Lab packing, waster brokering, lab analysis company purchased Workers Compensation ($1M/$1M/$1M) for $48,442. PartnerOne currently writes the Auto, GL, and Excess. The insured was looking to get out of NY Workers Compensation pool and expand operations/ work in NY, CT,...


Recently Written Account 2.1.22

$650k Environmental consultant purchased GL/Contractors Pollution Liability/E&O ($1M/$2M) and Excess ($5M/$5M) for $26,150. This insured is an NY state domiciled environmental consultant with minimal use of sub-consultants. No action over exclusion.


Recently Written Account 1.26.22

$2M Groundwater remediation contractor purchased GL/Contractors Pollution Liability/E&O ($1M/$2M) for $50,220. This insured is domiciled in NJ but the majority of the work is done in NY State with limited work in NYC. This firm is related to another PartnerOne contractin...




Recently Written Account 1.14.22

$2M Groundwater remediation contractor purchased GL/Contractors Pollution Liability/E&O ($1M/$2M) for $50,389. The insured is a NJ based contractor doing significant work in NY State, including some in the 5 boroughs. We were able to provide terms, including NY Labor Law...


Recently Written Account 1.11.22

$1.5M Gravel quarry and C&D landfill purchased GL/Site Pollution Liability ($1M/$2M), Excess ($5M/$5M), and Auto ($1M) for $73,123. This account was previously written with multiple carriers providing overlapping coverage in some cases and no coverage in others. By havin...


Recently Written Account 1.7.22

$650k Environmental consultant purchased GL/Contractors Pollution Liability/E&O ($1M/$2M) and $1M Excess policy for $16,803. This insured is a small NY-based environmental consultant; we were able to provide all lines including NY Labor Law for the broker.




Recently Written Account 12.20.21

$33.5 Concrete contractor purchased Contractors Pollution Liability with Transportation Pollution Liability, Mold, NODS, and Cyber. The insured also purchased a Commercial Storage Tank policy for two aboveground storage tanks they use to fuel their fleet of vehicles. Limits...





Recent Environmental Account Profiles

We have summarized some of our recent unique accounts. Read on for details! Sand & Gravel Quarry The PartnerOne team recently bound an account for a $1.75M sand & gravel quarry. The insured purchased GL, Contractors Pollution Liability, Transportation Polluti...


Recently Written Account 11.29.21

$200k Fire & water restoration contractor purchased GL/Contractors Pollution Liability/Professional ($1M/$2M) for $2,669. This insured had coverage elsewhere that was non-renewed as carrier was getting off fire/water accounts. We were able to offer terms because the insu...







Recently Written Account 11.5.21

$1.53 Industrial cleaning & tank cleaning contractor purchased GL/CPL ($1M/$2M) and a $10M Excess policy for $28,437. Because this insured works at oil refineries, they were contractually required to carry $10M Excess limits for both GL & Pollution. Previously their...



Recently Written Account 11.1.21

$700k Fire/water damage restoration contractor purchased GL/Contractors Pollution Liability ($1M/$2M) and $2M Excess policy for $29,123. The insured is a NY environmental contractor who split off from his prior company to start on his own, no work downstate, looking for a co...







Recently Written Account 10.1.21

$3.6M Asbestos abatement & interior demolition contractor purchased GL/CPL/E&O, Business Auto, and Excess (combined $6M/$7M limits) for $84,503. This insured is an experienced and qualified contractor seeking all lines with one carrier. By offering the Auto along wit...


Recently Written Account 9.28.21

$1.5M Recycler/green waste & landscaping waste composting purchased GL/CPL ($1M/$2M) and Business Auto ($1M CSL) for $59,065. We previously wrote this account from 2018-2020 but lost it last year to a competitor. We won it back this year with competitive pricing and cove...



Recently Written Account 9.20.21

$4M Environmental contractor/Industrial cleaning business purchased GL/CPL/E&O package ($1M/$2M) and $5M/$5M Excess policy for $47,547. We were able to save the insured approximately 30% from expiring premiums, being particularly competitive on the Excess, despite the in...







Recently Written Account 8.19.21

$1.8M Asbestos abatement and demolition contractor purchased Workers Compensation ($1M/$1M/$1M) for $61,807. PartnerOne already writes the GL, Excess, and Hired & Non-owned Auto for this insured, so we were able to round out the account with the Workers Compensation.



The Benefits of Writing Multi-Line Accounts

By Allison McGreal, Assistant Vice President Aside from adding more to your company’s bottom line, there are several benefits to placing all lines of insurance with one carrier, when possible. There are advantages to both the insured and the carrier, including: Pos...


Recently Written Account 8.15.21

$750k Asbestos abatement and demolition contractor purchased GL/Contractors Pollution ($1M/$2M) and $5M Excess policy for $74,000. This is a NY domiciled abatement contractor; we offered New York Labor Law coverage to enable the Insured to meet  contractual obligations.






Recently Written Account 7.25.21

$1.8M Fire & water restoration contractor purchased GL/Contractors Pollution Liability/E&O/Mold ($1M/$2M) and a $1M Excess policy for $19,825. This insured was purchased by another qualified company and all employees were retained.



Growing Your Business By Targeting Recyclers

How Spikes in Commodities Pricing Present Opportunities For Insurance Producers By R. Ivy Riggs, CPCU, ASLI, AIS The prices of common commodities have soared sharply in recent months. From oil to wood and from copper to aluminum, many resources have experienced a rapid j...





Recently Written Account 7.3.21

$40M HVAC and plumbing contractor purchased a $5M/$5M Contractors Pollution Liability policy for $19,376. Despite a potentially large open pollution claim on the incumbent's prior policy, we were able to get approval to offer competitive terms with matching limits and no inc...



Recently Written Account 6.28.21

$410k Soil sampling and analysis contractor purchased GL/CPL/E&O ($1M/$2M) for $6,890. This account grew significantly this year; we worked with the insured and carrier to keep pricing competitive and provide the coverage needed.


Recently Written Account 6.22.21

$400k Asbestos abatement contractor purchased Workers Compensation ($1M/$1M/$1M) for $93,343. PartnerOne currently writes the HNOA, GL, and Excess with this insured and the broker wanted to round out the account with the Workers Comp. The insured was not pleased with the New...



Pollution Coverage for Biosolid Applicators

By Katie Labonte, Senior Underwriter, and Megan Stephens, Assistant Vice President Biosolid application companies perform an important service for the livestock and farming industries across the country and play an integral part in one of the biggest reuse and recycle arr...


Recently Written Account 6.17.21

$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 p...





Recently Written Account 6.1.21

$100k Fire & water restoration contractor purchased GL/CPL/E&O ($1M/$2M) for $2,630. The insured had picked up operations again after taking a step back in 2020. We were able to secure them coverage to resume their operations.


Recently Written Account 5.25.21

$4.8M HVAC contractor purchased CPL/Professional ($1M/$1M) for $5,000. The insured had previously carried only CPL with 300K limits. We were able to more than triple their CPL limits and add Professional Liability for less than a 70% increase above their expiring CPL-only pr...





Recently Written Account 5.5.21

$3.3M Residential apartment complex purchased Site Specific Pollution liability ($1M/$1M) for $3,432. Environmental Data Resources (EDR) had incorrectly mapped multiple negative environmental records at this location. PartnerOne contacted EDR directly to let them know their...



Recently Written Account 4.30.21

$1.6M Emergency response and hazmat cleaning company purchased GL/CPL/E&O ($1M/$2M), $1M BAP policy, and $5M Excess policy for $45,000. By packaging the primary and Excess with our Auto program, we secured all three lines at very competitive pricing.


Recently Written Account 4.29.21

A convenience store chain with 27 locations purchased Storage Tank Liability ($1M/$2M) for $57,127. The tanks range in age from 3 years to 68 years (57 tanks total) and the deductible assigned per tank age range from $50k - $750k.







Recently Written Account 3.29.21

$1.8M Restoration contractor purchased GL/CPL/Professional ($2M/$2M) for $12,913. This insured has been with us for 8 years, but this renewal premium had to be pro-rated to allow for a short-term policy to line up this package with insured's other lines of insurance.


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...


Recently Written Account 3.23.21

$1.5M Asbestos abatement and demolition contractor located in upstate New York purchased GL/Contractors Pollution Liability/Professional ($1M/$2M limits), a $5M/$5M Excess policy, and a $1M BAP policy for a total of  $85,000.



Recently Written Account 3.15.21

$2M Emissions testing/monitoring company purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $42,000. MA domiciled emissions testing and monitoring firm that does occasionally work in NY. We were able to offer the Primary and Excess coverage including NY Labor Law...




Determining if an Account is "Environmental"

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...


Recently Written Account 2.27.21

$3.5M Industrial tank cleaner purchased GL/CPL/E&O, Auto, Excess, and BAP (combined limits $11M/$12M) for $211,000. PartnerOne worked hand-in-hand with the broker to provide broad coverage with the required limits needed. By being able to offer the Auto as well as the $1...


Recently Written Account 2.16.21

$500k Industrial cleaning contractor purchased GL/CPL ($1M/$2M) and Excess ($5M/$5M) for $22,764. Due to Covid-19 impacts to the insured's revenues, they fell well below the incumbent's minimum premium for this risk class and needed to move coverage. We were able to help the...


Environmental Spotlight: Vacant Properties

By Amanda Duncan, President, PartnerOne Environmental There are millions of properties that are vacant or abandoned across the US, and the vacancy rate continues to increase as a result of Covid 19. Real estate is considered a vacant property when it is not currently occu...









Recently Written Account 1.15.21

$780k Mold remediation contractor purchased Occurrence GL/CPL, Claims Made Professional Liability ($1M/$2M) $9,072. This entity is part of a franchise that provides mold remediation services. We were able to offer a lower deductible as well as many coverage enhancements to p...









Cyber Exposures in 2020

Helping Your Clients Protect Their Businesses From New Threats By Allison McGreal, Assistant Vice President Over the years, as more industries have gone paperless and started to collect, store, and send data electronically, the opportunity for cyber mayhem has increased...






Phase 1 Environmental Site Assessments

What the Pending Updates to ASTM-E1527 May Mean for Environmental Insurance By R. Ivy Riggs, CPCU, ASLI, AIS No doubt many people are eagerly anticipating the end of 2020 and its many uncertainties. But at least one thing that remains uncertain for 2021 is exactly what...


Recently Written Account 11.8.20

$725k Asbestos abatement contractor purchased GL/CPL/E&O ($1M/$2M) and $5M/$5M Excess policy for $38,243. This was a new venture in the Albany, NY area. The firm was started by highly experienced individuals with no work downstate.






Recently Written Account 10.19.20

$3M Industrial cleaning/tank cleaning contractor purchased GL/CPL ($1M/$2M), Business Auto ($1M), Workers Comp ($1M), and a $10M Excess policy for a total premium of $159,610. Some background on this success story: a local company sold their business and an asphalt company s...













Recently Written Account 8.17.20

$3M Demolition contractor with C&D landfill operations purchased GL/CPL/Site Pollution Liability ($1M/$2M) and a $5M Excess for $43,488. Their expiring insurance program had been written with 3 different carriers; by combining all coverages under one package with a singl...




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...




















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...



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...



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...