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 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...