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Environmental Liability

  • Contractors Pollution Liability (CPL): protects contractors against third party claims for bodily injury, property damage, or environmental damage resulting from pollution conditions caused by covered operations; claims-made or occurrence basis; limits up to $75M, min. premium $5,0001

  • Environmental and General Liability Exposures (EAGLE) Program®: combines CGL standard liability coverage with coverage for pollution exposures arising from on-site premises, products, or off-site premises operations; Excess and Auto only written in conjunction with primary EAGLE2; $1M/$2M/$2M limit structure, min. premium $20,000

  • Commercial Excess Follow Form (CEFF): insurance excess of and to the extent covered by the insuring agreements of the underlying AIG insurers’ EAGLE primary policies; limits up to $25M

  • TankGuard® Storage Tank Liability Insurance: coverage for corrective action, clean-up, and third party claims for bodily injury and property damage resulting from pollution conditions from scheduled storage tank systems; limits as required by federal and state regulations, minimum premium $525

  • Our environmental offerings continue to differentiate through our specialized and robust underwriting teams in 13 offices throughout the U.S.


1 For contractors with revenues below $20M we offer min. premium $2,500
2 No stand-alone auto or excess policies offered

Product

Industry

Risk Preferences

Non-Target Classes of Business

CPL/CPO

Services/projects

• All construction and commercial services contractors (contractors of all revenue size)

• All construction projects including OCIP and CCIP

Industrial operation and maintenance (O&M), fixed based operators (FBOs), mining

EAGLE®

Manufacturing and distribution

First and third party (tolling) manufacturing; wholesale and limited retail distribution; brokering (small–mid sized companies)

Aircraft critical parts, toys, sporting equipment, medical equipment, power tools, building materials

Chemical-related

Manufacturers, blending operations, distribution operations; raw/intermediate materials manufacturing and distribution (small–mid sized companies)

Dry cleaning products, pharmaceuticals

Utilities:public and private operations

Composting facilities; methane collection and co-generation at landfills; quarries; waste treatment, storage, or disposal facilities (landfill, recycling, incineration, transfer stations); waste water treatment plants

Hospitals/assisted living facilities,
schools, residential trash haulers, power plants, mines, potable water utility, petroleum refineries

TankGuard®

Owners/operators
of underground and
aboveground storage
tanks

• Underground tanks under 25 years of age

• Aboveground tanks under 40 years of age

• Commercial real estate; healthcare, education, and recreation facilities

• Retail and wholesale fueling facilities

• Airport exposures with hydrant systems

• Industrial processing tanks

• Bulk storage tanks

• Tanks not regulated under 40 CFR 280

Client Risk Solutions (CRS):

• PIER (Pollution Incident and Environmental Response)®:a value-add program that assists insureds with emergency response, crisis management, and managing loss costs
 

• In-house dedicated engineers with 15+ years of insurance and environmental consulting experience to assist insureds with their environmental risks
 

• Assist insureds with environmental risk management program evaluation and optimization by assessing plans, providing training, and delivering recommendations for risk improvement to reduce overall risk


Claims:

Best in class, dedicated Environmental claims unit composed of an experienced staff with direct environmental industry or environmental litigation experience.