Category: Risk Management

We are currently working on an oil and gas distributor that is written with the direct writer Federated Insurance. As most of you know Federated has a special program for this class of business. What is interesting on the account we are working on is how poorly written the pollution coverage is that is placed…

What is a pollutant? Any material, substance, product, etc… which is introduced into an environment for other than its intended use / purpose. Fresh water, cheese, and milk have all been classified as pollutants by Insurance Carriers under various circumstances. What pollutants are impacting your clients? Ever y business is impacted by environmental exposures… If…

Below is a list of Environmental Hot Topics we know impact a variety of your insured’s and prospects. I would like to schedule a time of about 20 minutes where I can call and review this with you. The purpose of the call is to point out areas of environmental opportunity we have identified in…

EPA will propose rule to protect waterways by reducing mercury from dental offices / existing technology is available to capture dental mercury (DC) Source: US EPA – Environmental Protection Agency The U.S. Environmental Protection Agency (EPA) today announced it intends to propose a rule to reduce mercury waste from dental offices. Dental amalgams, or fillings…

September 10, 2010 Information on hydraulic fracturing chemicals is key to agency study of potential impacts on drinking water The U.S. Environmental Protection Agency (EPA) recently announced that it has issued voluntary information requests to nine natural gas service companies regarding the process known as hydraulic fracturing. The data requested is integral to a broad…

EPA Releases New Draft Voluntary Guidelines for Selecting Safe School Locations / EPA provides new tools for communities making school siting decisions WASHINGTON – The U.S. Environmental Protection Agency (EPA) today released draft voluntary guidelines to help communities protect the health of students and staff from environmental threats when selecting new locations for schools. More…

Pretty soon companies’ toxic release data may be available to the public before the pollution is actually released into the environment. Unlikely, but the EPA is getting faster each year at making public the data it has collected from companies’ Toxic Release Inventory (TRI) data sheets. Issued the same month it was collected, the EPA…

environmental Strategist, between the lines: At ERMI we point out that every business is impacted by environmental exposures. Your agency could easily experience the exposure listed in the article below. Most insurance agencies I have visited use fluorescent light bulbs. When those bulbs burn out they are classified as a hazardous waste (they contain mercury)…

EPA Construction Stormwater Rule Takes Effect February 1, 2010 By Meline MacCurdy and Russell Prugh EPA has issued a long-awaited final stormwater rule, impacting nearly every construction and development project in the United States. The rule, published in the Federal Register on December 1, 2009, for the first time imposes an enforceable numeric limit on…

environmental Strategist, between the lines: This is an environmental exposure not just for the contractor applying the sealant material but also for the property owner and manufacturer. Storm water runoff is a very real environmental exposure for any property owner where it can rain and / or snow. In the past few years both Home…