Search CompleteMarkets

AmWINS Group, Inc. is a leader in the specialty insurance distribution industry with expertise across a diversified mix of property, casualty, group benefits and specialty insurance products. AmWINS also offers value-added services to support its products, including product development, underwriting, premium/claims administration and actuarial services. The firm places more than $11.1 billion in premium placements annually.

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.

Air, water, and soil pollution pose a serious financial threat for contractors. One small misstep can require thousands - or even millions - to clean up. Consider these scenarios: Remodeling a school kicks up dust. Using construction materials generates fumes that pollute the air. Hitting an underground storage tank leads to the release of liquid pollutants. Spraying to remove a bees' nest from a work area releases insecticides. Tying into a sewer line improperly causes sewage to back up. Your Comprehensive General Liability (CGL) policy provides severely limited protection against these types of pollution claims. Not to worry! Contractors Pollution Liability (CPL) insurance can protect you. (These policies are sometimes written together with Contractors Professional Liability coverage - see the previous article). CPL covers Bodily Injury and Property Damage - whether by settlement or verdict - as well as the expenses of investigating, defending, or settling claims. Most policies also cover the costs of removing or neutralizing pollutants and restoring the damaged property. CPL policies usually include a "hammer clause" that works like this: if the contractor chooses to fight a claim, rather than settle it, the insurance company's liability for damages and claims expenses is limited to what it would have had to pay if the contractor had approved the settlement. As you can imagine, most contractors choose to settle when their insurer recommends this approach. As with Contractors Professional Liability coverage, CPL policies are usually written on a case-by-case basis, with the size of the policy depending on your situation (for example coverage might be worldwide or limited to the U.S). Our agency would be happy to work with you, and the quality insurance companies we represent, to tailor a program suited for your needs. Feel free to get in touch with us at any time.

Midlands is a managing general agent with a specialty in excess workers' compensation program administration and fee-based specialty TPA services. Clients benefit from Midlands' extensive carrier relationships and expertise as one of the top excess workers' compensation providers in the United States. For over two decades, Midlands' growth and vision combined with hard works and integrity have given them a rich and vital heritage. For more information about our products & services, please see our products & services page.