April 2011
Premises, Products, & Pollution

One Policy for Manufacturers & Distributors GL & Pollution Liability   

Quick Links



AIG's Eagle Form

Interested in how the program to the right stacks up against AIG's?

Click Here for a Comparison

 

Claims Do Happen!

 

Many insureds are unaware of the large potential losses they may face as a result of pollution exposures.

Any company that stores, or creates hazardous material needs pollution coverage.

U.S. v Wasserman

 

A cautionary tale about the EPA's "cradle to grave" dictum.

Click Here to Read More


Mono-line Pollution

 

Contractors Pollution?
Site Pollution?
Environmental Impairment?
Professional Pollution?

Don't forget that we have the capabilities to place a number of different mono-line pollution risks, with MP's starting as low as $2,500.




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Greetings!
A W. Brown partner Insurance Carrier has recently begun offering a truly unique Pollution Product aimed at Manufacturing and Distribution risks.

Products that appear innocuous (most recently drywall) have resulted in huge pollution potential. Why assess an insured's GL and pollution exposure separately when the two are often so closely linked.

Below are coverage highlights and supplemental applications. If you have any further questions, please don't hesitate to Contact Us.

Target Mfg. & Dist. Classes   
  • Industrial Products  
    • Valves, pumps, bolts, screws, motors, etc. 
  • Metal-Working
    • Tool & die, foundries, metal goods, plating, etc. 
  • Electronic Products & Components
  • Plastic / Rubber Products
    • Molded goods, gaskets, hoses, seals, packaging, etc. 
  • Commercial Products
    • Vehicle parts, tools, equipment, components, etc. 
  • Other (Specialty) Classes
    • Inks, waste, soaps, blending, liners, storage, etc.   
***This program is not meant for consumer goods.

This is subject to a $15k minimum premium.
Coverage Overview 

Coverage 1: ISO Based Primary GL
  • Employee Benefits Liability
  • Worldwide Territory for Prodducts
  • Per Location / Project General Aggregate
  • Crisis Management Coverage
Coverage 2: Full Suite of Environ. Liab. Cov. (Capacity $10M)
  • Contractor's Pollution Liability
  • Wast Disposal Site Liability
  • Pollution Liability for Your Site
    • 3rd party: Sudden & Accidnetal
    • 1st Party: Gradual as well as Sudden & Accidental

Coverage 3: Excess Liability Coverage (Capacity $10M)

  • Applies over the GL Coverage (Cov Parts A, B, & C + products pollution +Hostile Fire + Employee Benefits Liability).
  • Can also sit over an auto policy with at least $1M in limits. 

***This Policy is structured so that primary GL limits are not eroded by pollution losses other than products pollution losses.