Category: Competitive Environmental Intelligence Resources

COVID has drastically raised the number of virtual Environmental Play Book reviews we conduct with our retail agency partners.  Our partners are realizing the valuable electronic resource the Play Book is and how simple to customize their ERMI Play Book to meet their business model. The ERMI Play Book is loaded with resources to assist…

environmental Strategist, between the lines:  As the article below points out there has been an eight-fold increase in the number of Legionnaires cases over the last two decades.  The hotbeds for Legionnaires are hot tubs, hotels, hospitals.  The “experts” point to several factors for the explosion of cases in the US, i.e. decaying infrastructure, an…

We have strategized how Legionnaires occurrences experienced a fivefold increase from 2000 to 2017.  Sometimes it can be tricky for me to understand what this means.  I was reading the web links below that offer articles related to recent Legionnaires occurrences, pay attention to the dates. Headlines: 10-21-19:  DC Psychiatric Hospital Goes Weeks Without Drinking…

Fact:  Pollution liabilities are a severity, versus frequency issue, that can have a catastrophic impact on HNW insureds. Fact:  Many of today’s HNW insureds have outgrown their personal & commercial insurance policies coverage capabilities. Fact:  Pollution liabilities are a great example of how one’s affluence can out pace their insurance policies. Today’s HNW insured’s need…

This competitive environmental intelligence will offer a brief overview of State Storage Tank Funds vs. Storage Tank Insurance so you can make sure you are offering what is best for your insureds while better protecting your E&O exposure.   Over the last few years we have observed an increase in the number of underground storage…

As the link below points out, experts are unsure as to why there has been such a drastic increase in Legionnaires.  Infections by other clinically significant waterborne pathogens that can cause infections include but are not limited to Pseudomonas, Acinetobacter, Burkholderia, Stenotrophomonas, nontuberculous mycobacteria (NTM), and Fusarium, have also increased dramatically. Legionella and these other…

environmental Strategist, between the lines:  The obvious focus of this story is the exposure crematory’s have to radiation due to their business model.  As the article points out in 2006 (most recent year for data) in the United States there were about 18 million nuclear medicine examinations performed and the number has grown exponentially since…

United States Suffered Costliest Natural Disasters in 2018 As ERMI has coached in the past, Natural Disaster Seasons (NDS, i.e. Flooding, Tornados, Forest Fires, Hurricanes, earthquakes…) are a great time to talk pollution.  Most pollution policies do not exclude Acts of God.. During NDS, national and local media are lighting up the airways / internet…

environmental Strategist, between the lines:  The link below is an excellent example of Environmental Economics (EE) and why Mother Nature is transitioning us away from our current economic platform. What is Environmental Economics (EE)?  Under what I term our current “Slash & Trash” economy the environment is a subset under the economy.  With EE, it’s…

environmental Strategist, between the lines:   The majority of insureds and for that matter, insurance professionals, think about pollution policies offering coverage to clean up a pollution liability.  While that is true, I do not believe cleanup is one of the top three benefits offered in pollution policies. Pollution Liability Insurance Policy Benefit #1:  Defense coverage. …