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Pollution and environmental exposure risks on site and during transfer and disposal, such as toxic mold, the disposal of contaminated soil, and broken pipelines releasing toxic materials, are major construction concerns. When such incidents happen, a contractor's reputation and livelihood can be irreversibly impacted. Contractors Pollution Liability (CPL) is a type of insurance designed to protect contractors against the liability issues and financial losses that result from such environmental incidents. This insurance covers an array of environmental and pollution risks that are common to construction projects and is considered an appropriate coverage whether a firm is a trade contractor, such as those specializing in paving or HVAC; a general contractor; remediation contractor; or a contractor doing specialized work, such as tank installation or drilling. Contractors Pollution Liability insurance is available to cover areas like pollution incidences that result in bodily injury, third-party property damage, or remediation costs. Comprehensive policies can even be customized to provide pollution risk coverage to an entire project, which would include off-site transportation and all contractors involved in the project. Most Contractors Pollution Liability policies are written on a claims-made basis. This basis limits the insurer's risk for unknown future liabilities since it means the policy only pays claims occurring and being filed during the period covered by the policy. Clearly, Contractors Pollution Liability insurance can provide invaluable protection against environmental-related financial losses. That said, such a policy doesn't prevent environmental incidents from occurring in the first place. To help prevent environmental incidences and protect hard-earned reputations, contractors should additionally adopt effective environmental risk management practices. Creating an environmental risk profile will be one of the most important factors when taking steps toward risk management. This allows the firm to identify possible loss exposures and risk areas by thoroughly reviewing their administrative control documents. While some firms opt to conduct the profile in-house, many prefer the expertise and outsider's perspective offered by a professional environmental consultant. In any event, documents related to the following areas should be reviewed during the development of an environmental risk profile: Contractors Pollution Liability policies Standard client agreements All mold prevention programs All environmental management programs Subcontractor's environmental/mold management/prevention systems Language of subcontractor agreements Environmental data searches of job sites Hazard communication programs Quality assurance programs Internal health and safety programs, incident response protocols, and training protocols Trends, history, corrective measures, and employee communications related to environmental losses Environmental assessments for all leased and owned properties Once the above documentation is assessed, the firm can identify strategies to reduce, if not eliminate, their exposures to environmental risks. Combining risk management with a Contractors Pollution Liability policy can help contractors reduce their risk, but still be covered in case the unexpected happens. Contact our office for more information. Content provided by Transformer Marketing.

Many people do not realize exactly how important the process is for lab and clinic testing. The process seems simple enough; go to the doctors, sign in and wait, see the doctor, have some blood drawn or swabs done and then you leave. Easy for you!

California’s worst drought in decades is feeding what may become a devastating wildfire season, one that is starting about five months early. Extremely dry conditions have sparked 487 wildfires so far in 2014, compared with only 2 for the same period a year ago, according to the state Forestry and Fire Protection Department, known as Cal Fire. Potential power failures, home losses, lost tourism dollars and crop damage could jeopardize the world’s 10th largest economy as California struggles to emerge from the deepest recession since the 1930s. “Having this occur statewide is unprecedented, certainly in my career,” Cal Fire Director Ken Pimlott, who started out as a firefighter almost 30 years ago, said in a telephone interview last week. “We anticipate the potential for a very long and sustained fire season throughout the rest of the year.” For a state already reeling from a drought that officials say could be one of the worst in California’s history, fires would only add to the misery. They could damage critical power lines and cause blackouts, disrupt water supplies and destroy sensitive ecosystems, said Bill Stewart, a forestry specialist at the University of California at Berkeley. Last year, prolonged dry conditions led to the third- largest fire in California’s history. The “Rim Fire” shut power lines and hydroelectric generators, charred parts of Yosemite National Park and threatened the Hetch Hetchy Reservoir watershed, which supplies 85 percent of the drinking water to San Francisco. ‘Poster Child’ The Rim Fire has become the “poster child” for future wildfires in California and the U.S. West, according to a 2013 report from CoreLogic Inc., a real estate data and analytics firm. Homes valued at about $78 billion in total are at risk from wildfires, estimates CoreLogic. Fires could even pose a risk for the state’s $22 billion wine industry. In 2008, smoke from smoldering wildfires in Mendocino County contaminated crops of pinot noir grapes, said Bill Pauli, a grower and general partner of Yokayo Wine Company in Ukiah, California. “Some wines had the odor of someone who had been standing next to a barbecue,” Pauli said in a telephone interview. “It was not a good situation and we all hope it doesn’t happen again.” Extra Firefighters Fire season usually begins around May and typically ends in November with the onset of winter storms, according to Cal Fire. This year, the department says it has hired 125 additional firefighters, staffed 25 extra fire engines and retained crews and aircraft that would normally be idle this time of year. The state has banned campfires and smoking in several parks. “Right now, all of our planning is for the worst-case scenario,” said Pimlott of Cal Fire. “We want to make sure we are ready.” The wildfire danger is of more concern to Los Angeles Mayor Eric Garcetti than the prospect of running out of water because of the drought, he said during an interview at Bloomberg News’s Los Angeles office. “I think we are going to see fire season around the clock for much of the year,” Garcetti said. “We are going to have to keep deployments much higher.” The city expects to spend an extra $12 million this year on fire department coverage due to the dry conditions, Garcetti said. Transmission Lines At the same time, utilities including PG&E Corp. and Sempra Energy’s San Diego Gas & Electric are implementing plans normally reserved for high-fire season, such as stepping up patrols of electrical lines and bringing fire crews along for routine repairs. “Wildfires are always a risk in California,” said Alvin Thoma, director of power generation at San Francisco-based PG&E. “With the dry conditions we’ve had, the soil moisture content right now is much lower than usual, so that makes wildfires much more of a concern.” The California ISO, the state grid operator, said it will keep an “eagle eye” on high-voltage transmission lines, which will be needed to import more power this summer to make up for dwindling hydro-electric supplies and the retirement of a 2,200- megawatt nuclear plant in Southern California. The state typically imports one-quarter of its power needs, according to the ISO. “The wild card is always fires,” said Stephanie McCorkle, a spokeswoman for California ISO. “They can affect the transmission and that literally cuts imports that we can’t afford to lose.” Extra Vigilant If lines go down, the grid operator can reroute electricity and ramp up local generation production, McCorkle said. Edison International’s Southern California Edison utility, owner of the San Onofre nuclear plant that was retired last year, will need to be extra vigilant if the dry conditions continue, said Chairman and Chief Executive Officer Ted Craver. “You can’t say there wouldn’t be some combination of events, a heat storm and a fire that takes out a transmission line,” Craver said in a telephone interview. Upgrades to power networks and new gas generation that has come online in the past two years will help “the grid to be able to withstand the shocks,” Craver said. Although rainstorms in the past week have provided some respite, the odds are that the drought will persist along with the risk of more wildfires, according to Cal Fire. “Everybody is probably sitting back on pins and needles,” said Thomas Jeffery, a senior hazard scientist at CoreLogic. “The potential for a really disastrous wildfire season is very high.” Content provided by http://www.claimsjournal.com/news/west/2014/02/11/244295.htm

Our Pollution Liability is designed to respond to environmental liabilities resulting from pollution incidents at, under, or emanating from your property. Under federal requirements, owners and operators must demonstrate financial responsibility for taking corrective action and for compensating third parties for bodily injury and property damage caused by accidental releases arising from the operation of aboveground or underground storage tanks. Nowadays, carriers are non-renewing due to the age of the tanks.

HUNT VALLEY, MD (May 18, 2015) –All Risks, Ltd., the nation’s largest independent wholesaler, proudly introduces a new nationwide program for the franchised hotel industry through “A+ XV” A.M. Best rated carriers. As part of All Risks’ National Specialty Programs, the franchised hotel program is available nationwide, with minimum premiums for general liability starting at $1,000 and for property starting at $2,500. Targeted classes consist of limited service franchised hotels and motels, which may include the following amenities or services: restaurants, pools, fitness centers, complimentary 24/7 food and beverage service, as well as limited service hotels

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 19 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions.