https://completemarkets.com/Article/article-post/2139/CERTIFICATES-OF-INSURANCE-BEST-PRACTICES/
...ludes certain coverage (example: pollution), should the agent list the excess ...de you with certified copies of all Liability insurance policies in force for ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/936/ARE-MULTI-YEAR-POLICIES-REALLY-A-GOOD-CHOICE/
... Communications, Inc. and Warren, McVeigh & Griffin, Inc., which retains the copyright. It is excerpted from The Risk Management Letter, a subscription information service of risk and insurance topics. See the Bookstore for a sample free trial subscription . Risk Management Consultants is located at 1420 Bristol St. N., Ste. 220, Newport Beach, CA 92660, (714) 752-1058, fax (714) 955-1929. Login or Register (for FREE) to gain access to thousands of other great articles. Need ... More is less. Though multi-year policies allow for more efficient use of limits than traditional policies do, the limits they provide are spread over several years on an aggregate basis. Such limits might prove inadequate if a loss occurs over many years, such as losses involving pollution or asbestos liability. Under a traditional program, such claims might trigger several years of insurance, resulting in a cumulation of limits. Under the multi-year policy, there's usually no such cumulation. The substantial discrepancy in available limits between these two kinds of policy could ... terms and conditions become more restrictive. Uses limits more efficiently. Over the course of several years, insureds may require lower aggregate limits than the amount they purchase under standard annual policies. For example, a company that historically carries $25 million in D&O liability limits on an annual policy basis would purchase $75 million in limits over the course of three years. That same insured might opt instead to purchase a multi-year policy that provides just $40 or $50 million in aggregate limits over the same period. Although ...
https://completemarkets.com/Article/article-post/2351/Crisis-Management-Plan-Introduction/
...ency planning.
Risk Management Consultants
Perform audits of existing risk m... Minimizing lost operating time
Pollution loss reduction
Reduction of ...
https://completemarkets.com/Article/article-post/236/E-O-Proofing-Your-Agency-25-Tips-For-Little-Or-No-Cost/
...rsements. A case in point is the pollution exclusion, which has evolved from t...sponsible for the contamination and pollution loss cleanup might not be the pe...