$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...

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...

$1.4M Asbestos abatement and demolition contractor purchased GL/CPL/E&O ($3M/$3M) and Workers Comp ($1M) for $90,931.

$750k Environmental consultant purchased GL/CPL/E&O/Cyber ($1M/$1M) for $5,346.

$2.4M Environmental Consultant, performing site assessments and compliance, purchased CPL/E&O ($3M/$3M) for $27,922.

$1M Environmental contractor performing labpacking, sampling, and disposal services purchased GL/CPL/E&O/Site Pollution/Cyber ($1M/$2M) Excess ($5M), and Auto ($1M) for $57,000.

$2M Soil remediation and excavation services company purchased GL/CPL/E&O/Cyber ($1M/$2M) and Excess ($1M) for $28,000.

$1.4M Environmental consultant purchased GL/CPL/E&O ($2M/$2M) and a $2M Excess policy for $21,211.

$575k Asbestos, mold, and lead abatement company purchased GL/CPL ($1M/$2M) and Excess ($1M/$1M) for $11,080.

$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...

$11.1M Window and door installation contractor purchased CPL/E&O ($5M/$5M) for $19,291.

$3.2M Dredging contractor purchased Contractors Pollution Liability, including NODs, TPL and Cyber ($10M/$10M) for $17,583.

$1M Asbestos abatement contractor and consultant purchased GL/CPL/E&O ($1M/$2M) $5M Excess policy, and Auto ($1M CSL) for $27,498.

$2.5M Recycling firm purchased GL/CPL ($1M/$2M) and an Excess policy ($10M/$10M) for $36,835.

$900k Septic and grease trap cleaning services business purchased GL/CPL/Cyber ($1M/$2M) and a $1M Auto policy for $50,000.

$10M Commercial general contractor purchased Contractors Professional ($1M/$1M) for $8,800.

$813k Abatement contractor purchased GL/CPL/E&O/Mold ($1M/$2M) and a $1M Excess policy for $9,046.

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...

$4.9M Radiological remediation contractor that does soil excavation, remediation, and some demolition purchased GL/CPL/E&O ($2M/$2M) and $5M Excess, with project specific $6M CPL limits for a total of $63,361.

$600k Industrial cleaning and emergency response contractor purchased GL/CPL/E&O ($1M/$2M) and $5M Excess policy for $14,147.

$1.5M Asbestos abatement contractor (with general contracting as part of the business) purchased GL/CPL/E&O ($1M/$2M), $10M Excess policy, and a $1M Workers Comp policy for a total of $47,090.

A residential apartment building purchased a $5M/$5M Site Pollution Liability policy for $12,500. We were able to provide similar coverage to the incumbent's at a significantly reduced premium.

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...

$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.

$20M Non-environmental drilling contractor purchased CPL, TPL, Contingent TPL, Mold, and NODs ($5M/$5M) for $13,335.

$750k Soil/groundwater remediation contractor purchased GL/CPL/E&O/Cyber ($1M/$2M), a $1M Auto policy, and a $10M Excess policy for $63,000.

$1.5M Industrial cleaning contractor purchased GL/CPL/E&O/Cyber ($1M/$2M) and a $5M Excess policy for $21,500.

$800k Abatement contractor purchased GL/CPL/E&O ($2M/$2M) and $1M/$1M Excess policy for $12,296.

$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...

$1.2M Fire/water damage restoration contractor purchased GL/CPL/E&O ($1M/$2M) and a $5M Excess policy for $19,028.

$23M Utility contractor purchased a $1M/$2M Contractors Pollution Liability policy for $10,077.

$850k Soil remediation and excavation services company purchased GL/CPL/E&O/Cyber ($1M/$2M) and a $5M Excess policy for $18,000.

$1.6M Environmental contracting and waste brokering services company purchased GL/CPL/E&O/Cyber ($1M/$2M), $1M Auto, and $1M Excess policy for a total of $38,000.

A bioscience R&D firm (lessee) purchased Site Specific Pollution Liability ($1M/$1M) for $4,118. This insurance was required under the terms of the lease agreement, and we provided quick turnaround to get them in their new facility.

$1.75M Environmental site remediation and consultant purchased GL/CPL/E&O ($3M/$3M) and a $5M Excess policy for $42,430.

$1.5M Fire water restoration contractor purchased GL, CPL, Professional, Mold, TPL, NODS ($1M/$2M) and a $1M Excess policy for $11,834.

$17M General contractor purchased Contractors Professional ($1M/$1M) for $12,482.

$3.5M Business specializing in tank and pipe leak detection and corrosion detection services purchased GL/CPL/E&O ($1M/$2M) for $20,337.

$7M Telecommunications contractor purchased Contractors Professional and Cyber ($2M/$4M) for $12,500.

$800k Soil remediation firm purchased GL/CPL/E&O/Cyber/Auto ($1M/$2M) and a $4M Excess policy for $31,000.

$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...

$13.5M Telecommunications contractor purchased CPL/Professional/Cyber ($2M/$4M) for $13,000.

$23M HVAC contractor purchased Contractors Professional ($1M/$2M) for $14,776.

$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...

$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...

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...

$2M Industrial hygiene/environmental consulting services business purchased GL/CPL/E&O/Cyber ($1M/$2M) and a $6M Excess policy for $29,000.

$23M Concrete/masonry contractor purchased Contractors Professional and Cyber coverage ($2M/$2M) for $14,500.

$350k Used oil recycler purchased GL/CPL ($1M/$2M) and a $3M Excess policy for $14,991.

$2M Environmental consultant purchased GL/CPL/E&O ($3M/$3M) for $13,543. This insured is a start-up operation specializing in waste management & recycling programs for commercial buildings.

$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...

$1.8M Septic tank cleaning services GL/CPL/Cyber ($1M/$2M) and Auto ($1M) for $43,000.

$6M HVAC/mechanical contractor purchased CPL, E&O, and Cyber coverage ($1M/$2M) for $6,100.

$13.43M General contractor purchased Contractors Professional ($1M/$1M) for $10,127.

$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.

$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...

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...

$42M Masonry contractor purchased CPL/E&O with Cyber coverage ($2M/$2M) for $21,870.

$1.7M Asbestos abatement and demolition services company purchased GL/CPL/E&O/Cyber ($1M/$2M)  and a $1M Excess policy for a total of $15,000.

$8M Electrical contractor purchased CPL/E&O/Cyber ($1M/$2M) for $6,280.

$20M General contractor purchased CPL with Mold, Non-Owned Disposal Site coverage, Transportation Pollution Liability, and Cyber ($5M/$5M) for $8,725.

$1M Environmental consultant purchased GL, Auto, and Excess ($1M Auto, $2M/$2M GL, and $1M Excess) for $31,724.

$2.2M Asbestos abatement and demolition services company purchased GL/CPL/E&O including Mold and Cyber ($2M/$4M) and a $3M Excess policy for $35,000.

$3M Septic tank cleaning and installation company purchased CPL and Cyber ($1M/$2M) for $4,119.

A warehouse facility that stores hazardous materials (corrosives and combustibles) purchased a $1M/$1M Site Pollution Liability policy for $4,944.

$1.5M Asbestos abatement contractor purchased GL/CPL/E&O and Excess (combined limits $10M/$10M) for $36,091.

$1.7M Experienced health & safety training consultant (focusing on air testing for oil and gas companies) purchased GL/CPL/E&O ($1M/$2M), Auto ($1M), and Excess $5M for a total of $66,939.

$2.05M Abatement contractor purchased a $5M/$5M CPL policy, including Mold and Non-Owned Disposal Site Coverage for $11,986, with a $10k deductible.

$1.02M Waste oil recycler purchased GL/CPL/E&O ($1M/$2M), Auto ($1M/$2M), and a $5M/$5M Excess policy for a total of $135,439.

$1.1M Used oil recycling services company purchased GL/CPL and Cyber ($1M/$2M) and a $10 Excess policy for $33,000.

$3.5M Asbestos abatement and demolition contractor purchased GL/CPL/E&O ($1M/$2M) and a $5M/$5M Excess policy for $56,225.

$11M Mechanical contractor purchased CPL/E&O ($1M/$2M) for $10,000.

$35M Pipeline contractor purchased Contractors Pollution Liability, including TPL, Mold, NODS, and Cyber ($3M/$3M) for $22,084.

A gas station with five locations (two of these stations have tanks over 30 years old) purchased Storage Tank Liability ($1M/$2M) for $15,227.

By Allison McGreal, Assistant Vice President PartnerOne recently received a submission for an asbestos/lead abatement, mold remediation, and interior demolition contractor located in Long Island, NY. The agent approached PartnerOne because the policies were placed in a ma...

$4M HVAC contractor purchased CPL/E&O/Cyber ($2M/$2M) and $7,700.

$1.5M Asbestos/lead abatement and demo services company purchased GL/CPL/E&O/Cyber ($2M/$4M) and a $2M Excess policy for $26,000.

$750k Asbestos abatement contractor in NY purchased GL/CPL ($1M/$2M), Workers Compensation, and $5M Excess policy for $85,000.

$2M Asbestos, lead, and mold abatement contractor in California purchased GL/CPL/E&O ($1M), Auto, and a $2M Excess policy for $45,873.

$100k Environmental consultant purchased GL/CPL/E&O ($1M/$2M), Auto, Excess ($5M) for $23,428.

$45M Electrical contractor purchased a $2M/$2M Contractors Pollution Liability policy for $12,191. Coverage includes Transportation Pollution Liability, Mold, Non-owned Disposal Site Coverage, and Blanket Additional Insured.

$4M Commercial general contractor purchased CPL/E&O/Cyber ($2M/$2M) for $7,700.

$1.5M Asbestos abatement contractor purchased GL/CPL/E&O/Cyber/Auto ($1M/$2M) and a $2M Excess policy for $46,000.

$4M Environmental contractor specializing in indoor air quality monitoring purchased GL/CPL/E&O and Excess ($3M/$4M combined) for $33,601.

$500k Laboratory purchased a $1M/$1M Site Pollution Liability for $3,300.

$2.5M Asbestos abatement and demolition contractor purchased GL/CPL/E&O ($1M/$2M), Auto ($1M), and a $8M/$8M Excess policy for $52,555.

$10M General contractor purchased CPL/E&O/Cyber ($1M/$1M) for $8,000.

By Megan Stephens, Assistant Vice President, and Katie Labonte, Underwriter If your client’s environmental policy is coming up for renewal soon, you might be asking yourself some questions. What information will the carrier need in order to quote the renewal?  When doe...

A senior care living facility purchased Storage Tank Liability for their back up generator for $350.

A dealership purchased Storage Tank Coverage, Site Pollution Liability, and Defense for $3,224.

By Amanda Duncan, President Does your insured have a website? Utilize software pertaining to their business? Store client data like names, addresses, and payment history? Correspond via email? From Fortune 500 companies to small businesses across the country, maximizing t...

$500k Hog manure contractor purchased GL/CPL/TPL/Cyber ($1M/$2M) for $7,276.

$2.3M Asbestos and demolition contractor purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $20,000.

$1.26M Industrial water purification contractor purchased GL/CPL/E&O ($1M/$2M) and a $3M/$3M Excess policy for $15,456.

By Michelle Huitt-Megela, Assistant Vice President As we wrap up hurricane season, we have begun to review an underserved community when it comes to Commercials Storage Tank Coverage:  Municipalities. Because most municipalities operate independently (although some activ...

$1M Soil remediation and waste brokering services company purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $14,000.

$18M Painting/carpentry contractor purchased CPL/E&O ($1M/$1M) for $10,689.

$800k Asbestos abatement contractor purchased GL/CPL/E&O ($1M/$2M), $1M Auto, and Workers Compensation for a total of $66,547.

$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...

$3M Environmental consultant purchased a $1M Auto policy for $9,837. The insured specializes in providing pipeline testing, moisture, and oxygen analytical testing inspections of piping, liquid, and pneumatic systems.

$12.9M Fire & water restoration contractor purchased GL/CPL ($1M/$2M)  and $5M Excess policy for $90,908.

$1.535M Restoration contractor purchased CPL/CPL/E&O ($1M/$2M) and a $2M/$2M Excess policy for $12,099.

By Michelle Huitt-Megela, 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 t...

$1M Environmental consultant purchased GL/CPL ($1M/2M) and a $5M Excess policy for $18,000.

$3M Environmental contractor who degreases oil rigs purchased GL/CPL ($1M/$2M), $1M Auto, and a $5M Excess policy for $108,333.

$1.3M Asbestos, lead, and mold abatement contractor purchased GL, CPL, E&O plus TPL, Mold, NODS, and Limited Cyber ($1M/$2M) for $9,031.

$200k Fire/water restoration contractor purchased GL/CPL/E&O ($1M/$2M) for $2,583.

$400k Environmental consultant purchased GL/CPL/E&O ($1M/$2M) for $2,598. This accounts was received, quoted, and bound in less than a day.

$720k Asbestos/demo contractor purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $11,000.

$2M Concrete cutting contractor purchased Contractors Professional ($2M/$2M) for $8,800.

$40M Commercial general contractor purchased a $2M/$2M CPL policy for $6,300.

$890k Asbestos abatement contractor purchased GL/CPL/E&O ($2M/$2M), $4M Excess, and $1M/$1M Workers Compensation for $73,121.

$1.1M Mold abatement contractor purchased GL, CPL, and E&O with Mold, TPL, NODS, and Limited Cyber for $9,590.

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...

$5.7M Contractor purchased CPL/E&O ($2M/$2M) for $8,327. The insured specializes in the fabrication and installation of structural/ornamental metal, including handrails, stairs, and canopies.

$1.5M Environmental contractor purchased a $5M/$5M Excess policy for $9,000.

Automotive dealership with six tanks (five of them installed in 1985 and one installed in 1990) purchased Storage Tank Liability ($1M/$1M) for $20,000.

$720k Asbestos abatement and interior demo contractor purchased GL/CPL/E&O ($1M/$2M) and a $1M Excess policy for $11,000.

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

$2.8M Concrete cutting/general contracting services company purchased CPL/Professional ($2M/$2M) for $8,800.

$7M Pipeline maintenance contractor purchased a $5M CPL policy for $12,500.

Trucking company with multiple locations; four ASTs and one UST. The insured purchased 1st and 3rd Party Storage Tank Pollution Coverage and Defense ($1M/$1M) for $8,250.

An event center purchased Site Specific Pollution Liability ($1M/$1M) for $6,627. This is a 3-year policy with 5k retention, including mold & terrorism coverage.

$36M Plumbing contractor purchased a $1M/$1M Contractors Professional policy for $18,684.

$2.9M Storage tank contractor purchased GL/CPL/Professional/Cyber ($1M/$2M) and a $4M Excess policy for $27,000.

$525k Asbestos abatement firm in NY purchased GL/CPL/Professional ($1M/$2M), Auto ($1M), and a $5M Excess policy for $30,635.

$1.8M Fire/water restoration and emergency response contractor purchased GL/CPL/Professional with Mold ($1M/$2M) and a $1M Excess policy for $14,550.

Gas station with 4 locations purchased Covered Storage Tank Systems Cleanup Costs and Third Party for $15,771.

Gas and electric company with 14 locations (all ASTs with install dates ranging from 1980 – 1996) purchased Covered Storage Tank Systems Cleanup Costs and Third Party for $84,622.

Bulk fuel distributor with 2 locations and 13 tanks purchased Storage Tank Liability and Site Pollution Liability, Waste Transportation, and Third Party Liability for Non-Owned Disposal Locations for $21,500.

PartnerOne is hosting a new business contest and the winners will receive $200 Visa gift cards! We’d like to encourage our agents & brokers to build out new business accounts by taking advantage of our A+ rated supporting lines. A few details about this contest:...

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.

Waste hauler with a 3 million gallon waste tank purchased Covered Storage Tank Systems Cleanup Costs and Third Party for $7,200.

$1.2M Pipeline welding, testing, and inspection business purchased Auto $1M CSL, GL $2M/1M, and a $5M Excess policy for a total of $33,112.

$5M Pipeline construction contractor purchased CPL, TPL, and Cyber ($5M/$5M limits) for $10,946.

$1.3M Water/mold damage restoration contractor purchased GL/CPL/E&O ($1M/$2M) and $1M Excess policy for $8,198.

$900k Utility contractor purchased CPL with Mold ($5M/$5M) for $7,500.

$400k Fire/water restoration contractor purchased GL/CPL/E&O with Mold and Cyber Liability ($2M/$2M) for $6,000.

By Marie Maxwell, Underwriter PartnerOne Environmental offers a number of optional coverages under both the basic Storage Tank Liability product as well as the Fuel Solutions product, which includes both Storage Tank Liability and Site Pollution Liability:   Amen...

$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.

$1.8M Environmental mold abatement and cleaning contractor working in NY and NJ purchased GL/CPL/E&O with Mold and Action Over ($1M/$2M) for $34,507.

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 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...

$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.

$300k Contractor who observes/inspects tank installation purchased GL/CPL/E&O ($1M/$2M) and $4M Excess policy for $12,583.

$625k Wastewater and water treatment company purchased GL/CPL/E&O ($1M/$2M) for $5,498.

$1.025M Environmental Contractor (UST Installation) purchased GL, CPL, EBL, Employer's Liability (Stop Gap), Microbial Substance ($2M/$2M) for $9,634.

$500k Restoration contractor purchased GL/CPL/E&O ($1M/$2M) for $5,195.

$10.5M Painting contractor purchased CPL/Professional ($1M/$1M) for $7,753.

$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.

$600k Corrosion control consultant purchased GL/CPL/E&O ($1M/$2M) for $6,000.

By Ivy Riggs, Executive Underwriter “You sold me the wrong policy!” is a terrible claim no producer ever wants to hear from their client…especially when it’s true. But being an expert in all product lines and understanding the nuances of each can be a challenge fo...

$14M General contracting and construction management services company purchased CPL/E&O/Cyber ($1M/$1M) for $13,000.

$100k Emergency response contractor purchased GL/CPL/Auto for $12,472.

$2.4M Pipeline and tank inspection services company purchased CPL/Professional ($1M/$2M) for $12,000.

$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.

$400k Asbestos abatement contractor purchased GL/CPL ($1M/$3M) and Excess ($5M) for $14,536.

$12.5M Landscaping services company purchased CPL/E&O with Cyber ($1M/$2M) for $11,645.

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...

$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.

$700k Biosolid management/spreading contractor purchased GL/CPL/TPL/Cyber ($1M/$2M) for $8,493.

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.

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...

$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...

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 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...