There was a time when pollution exclusions were discussed, questioned, and sometimes overridden by courts, but this is changing. So, what is a pollution exclusion and why is it important? This is typically defined as “An exclusion in an insurance policy that refers to loss...

Agricultural operations can significantly impact the environment, and various aspects of these practices can lead to environmental damage. Farming activities could inherently affect soil, water, and air through the use of pesticides, fertilizers, farm equipment, animal waste...

Environmental Contractor with an Auto Exposure This month we bound coverage for a $2.2M environmental contractor in Texas doing industrial cleaning and vacuum truck work for the petrochemical industry. We were able to tackle some challenges with this account, including the...

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...

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 policy period. The purpose of this impo...

By Brittany Skiles, Senior Underwriter Fire and water restoration contractors are a common class of business for environmental carriers to write. This class of business can be highly competitive for agents and brokers. The insureds for this class quite often shop around t...

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...