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Here are some featured markets we thought you might be interested in taking advantage of: Professional Liability, Contractor's General Liability Insurance, Property and Casualty Insurance Agents Errors and Omissions (E&O), Fabricare Dry Cleaners, Fair and Fairground Insurance, Restaurant Workers Compensation Insurance, Self-Storage Insurance and Roofing Workers' Compensation Insurance ...

Program Brokerage Corporation (PBC), a leading wholesale insurance brokerage firm announced the launch of a new pest control program underwritten by ProSight. Through its Weisburger division, PBC has been one of the largest providers of insurance products and services to the pest control industry since 1934 and is the official endorsed broker of the National Pest Management Associa...

AmWINS Program Underwriters offers two programs designed specifically for companies that sell, distribute, or install fire protection equipment. These programs provide comprehensive and competitive solutions through a top-rated insurance carrier....

AmWINS Program Underwriters offers two programs designed specifically for companies that sell, distribute, or install fire protection equipment. These programs provide comprehensive and competitive solutions through a top-rated insurance carrier....

Here are some featured markets we thought you might be interested in taking advantage of: Accountants Professional Liability Insurance, Lumber and Woodworking Industry Workers Compensation, Contractors General Liability, Artisan General Liability Insurance, Property and Casualty Insurance Agents Errors and Omissions (E&O), Social Services Organizations Insurance, Hard-to-Place Property Insurance, Professional Liability Insurance ...

Here are some featured markets we thought you might be interested in taking advantage of:...

Here are some featured markets we thought you might be interested in taking advantage of: Film and Media Insurance, Guardian Program, Commercial Auto Program, Sports Insurance, Fabricare Dry Cleaners, Coastal Builders Risk Insurance, Workers Compensation Insurance...

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....

New approaches to building projects, as well as new techniques, are leading to increased demand for Professional Liability insurance for contractors. A few years ago, people would shake their heads at the idea of this coverage, asking how contractors could be held liable for professional risk when they don't provide professional services. However, there has been a blurring of the once-sharp lines between contractors and architects and designers, as more and more contractors are being drawn into the design process. Under the traditional "design-bid-build" method, a project would be designed, bids put out, and the project built. However, the spread of the "design-build" concept - which decreases the amount of time, and the cost, of the project involved - has meant that medium sized and large contractors often take the design responsibilities in-house, and even subcontract them to design firms. These contractors' biggest exposure is for claims filed against them for project delays and cost overruns. However, traditional General Liability insurance offers coverage only for Bodily Injury and Property Damage, and does not cover financial or economic losses. Contractors Professional Liability insurance fills this gap. Because these policies are relatively recent, only a limited number of insurance companies offer them. These companies haven't paid enough claims for underwriters to establish the underwriting history and set standard rates - which means that policies are usually negotiated on a case-by-case basis. The amount of insurance can be up to $50 million; if a contractor needs more capacity, coverage can be added through excess layers. If your firm is (or might be) taking on project design responsibilities, a comprehensive Contractors Professional Liability policy can help protect your pocketbook - and provide peace of mind. To learn more, just give us a call. ...

Small entities that provide auto servicing work (such as auto dealers, motorcycle shops, tire dealerships, etc.) have unique pollution liabi... limited add-on Pollution Liability coverage which doesn't fully meet their needs or traditional Pollution Liability policies which are expensive and beyond what is needed.