Pollution Concerns for Sewer Line Installation Contractors
Sewer line contractors typically work below ground, so they often aren’t sure what they may
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Sewer line contractors typically work below ground, so they often aren’t sure what they may
Recent environmental news stories: EPA fines water treatment plant operator $60,000 for alleged Cooks River
The development of new data centers across the country is at an all time high.
Recent environmental news stories: Thousand of gallons of runoff leak into Peoria area creeks after
Cybersecurity is essential to safeguard critical infrastructure systems as well as data. We often think about
Warm weather is here and construction projects are starting! Have you spoken with your contractor/construction
Recent environmental news stories: Contractor Cited for Pollution During Demolition Job in Minneapolis Transportation Firm
As we finish out the first quarter of 2025, you may be managing some challenging
Recent environmental news stories: Excavator leaks hydraulic fluid into water near Washington Bridge demolition site
Wildfires have dominated headlines across the United States. Aside from the catastrophic losses experienced in
Recent environmental news stories: Insurance claim will only cover a fraction of the Brunswick spill
Specialty Program Group writes a wide range of accounts, from non-environmental contractors and tanks to
Recent environmental news stories: Explosion, fire reported at Powder Alloy Corporation metal manufacturing plant in
We’ve compiled a list of our top new business opportunities to target this year. These
Recent environmental news stories: As schools in LA reopen, parents worry about harmful ash from
Due to growing demand and government incentives, the number of EV charging stations in the
Recent environmental news stories: New construction unearths contaminated soil in SLO County town Diesel spill
Let’s take a look at our most popular blog articles from 2024, which were the
Recent environmental news stories: Cleanup continues on contaminated soil around North Bay airport Trial in
In the past, stores were often stand-alone structures, which meant that whatever environmental issues they
Recent environmental news stories: Concerns after millions of gallons of polluted water discharged Silica Dust
Derek Borisoff is delighted to announce its inclusion in the prestigious 2024 IBA Hall of Fame, a comprehensive roundup that highlights the industry's best.
As we approach the end of the year, we want to report on some important
Recent environmental news stories: Tennessee Pollution Exclusion Confusion: Courts Differ But Clauses Can Apply Walmart
Charlotte and pup, Norbert, as pumpkins (Mom is Sara Kooij, Assistant Vice President)
Of all of the issues that have to be considered when a property is changing
Last year was a record-breaking year for billion-dollar natural disasters in the United States, and
Recent environmental news stories: Metal shredding company fined $575,000 for pollution D.C. AG sues major
Waste management and recycling operations play an important role in both public and environmental health.
Recent environmental news stories: Cooking Oil Spill Causes Greasy Mess in Downtown Binghamton City of
The word “pollution” may conjure images of smog-filled skies, industrial waste, or oil spills. However,
Recent environmental news stories: Needles, syringes among medical waste washing ashore on some Maryland beaches
Submit an account | info@b-h-a.com | (800) 596-2156 Recent Success StoriesCheck out some of the accounts
Anaerobic biodigesters contain waste products in a sealed environment and have provided significant progress in
Recent environmental news stories: Maryland files complaint against developer, homebuilder, contractor over water pollution violations
As the wind energy sector grows, it brings clean, affordable energy, green jobs, and tax
Recent environmental news stories: Boca Raton Luxury Apartment Complex Sued For Mold, Tenant Claims Exposure
Environmental, divisions of Specialty Program Group, LLC, announced new leadership in key roles, effective July 1st.
We hope to see you at the Women in Insurance Summit. Our President, Yiana Stavrakis, will share strategies to utilize technology to gain a competitive edge!
Read the Healthcare issue Cover artwork by Davide Bonazzi (Salzman Art)
Monarch E&S Insurance Services, a division of Specialty Program Group LLC, has acquired Commercial Sector Insurance Brokers, LLC (CSIB). Learn more.
Pollution incidents involving general contractors
Last year was a record-breaking year for billion-dollar disasters, highlighting the importance of environmental insurance
The past can have a lingering presence in business, especially when it concerns the environment.
On a daily basis agents deal with policy language they must explain to their clients. Understanding this
There are many types of commercial office buildings, with each having a variety of potential
Common Pollution Exposures The environmental exposures that can affect an insured are varied and complex.
Off the shelf Pollution policies may cover only a portion of your client’s exposures. Frequently
What are Natural Resource Damages? Natural resource damage is a little known coverage grant that
As cities become more developed, agricultural operations grow, and weather patterns intensify, stormwater pollution continues to become
Springtime Spotlight: Construction Sites Spring is here and construction projects are starting! Have you spoken
Get a CPL or CPL/E&O indication for your street & road contractor within 2 hours.
As with all sectors of the recycling industry, metal recyclers and scrapyards have seen dynamic
Language matters, and how a carrier defines a “pollution event” determines what circumstances will trigger
Mold prevention plans are not a new idea, but we are now seeing this requirement
The everchanging landscape of the real estate market has created new environmental liability challenges for
The environmental insurance marketplace is currently seeing significant disruption–and opportunity–for site accounts. SPG has extensive
We want to hear from you! Contact us to discuss an account, get applications, or
E-waste is the fastest-growing solid waste category globally, and in response, e-recycling has also grown significantly. These
The outlook for the Auto insurance market is complex and challenging. Claim severity and litigation,
Specialty Program Group has a successful history of writing storage tank coverage for our agents
Possible risks and points to consider when helping apartments/condos, hotels, hospitals, senior care centers, and
How to handle retroactive dates for Premises Pollution Liability policies when a business sells When
We firmly believe environmental coverage plays a role in virtually every account. The risk of
From landfill emissions to farm waste, complaints over odors can escalate to legal action. So,
Maintenance and janitorial companies face a number of potential pollution issues due to the products
What is Site Pollution Liability? Site Pollution, Environmental Impairment Liability, Premises Pollution, Pollution Legal Liability…whichever
Some of the most frequent questions we get are about common policy endorsements. SPG Account
As the year winds down, we want to remind you of our coverage capabilities on
By Chelsea Albright, Vice President A typical General Liability policy excludes losses that arise from
Innovations have made technology for detecting pollution more effective, affordable, and accessible than ever before.
The one thing all alternative energy operations have in common is that they are relatively
Winter is coming, and while Game of Thrones fans may interpret this as a metaphorically
Agricultural pollution, also known as agricultural runoff or agrochemical pollution, refers to the contamination of
As you review your book of artisan and trade contractors, it is important to keep
As one of our top classes of business, Specialty Program Group understands the important role
Financial Assurance (FA) regulations for underground storage tank owners/operators were first put into place with
Owners, landlords, and tenants have a wide range of environmental exposures that need to be
Hospitality risks have had a growing problem with indoor air quality issues for some time.
While many of our multi-line new business accounts are environmental contractors (mostly asbestos abatement/lead/mold), there
Read the Crisis Management issue Cover artwork by Davide Bonazzi (Salzman Art)
Insureds don’t need to be involved in exceptionally risky work to have environmental exposures. Most
The agency construction management (ACM) role may offer guidance on management techniques applied throughout a
The discussion of PFAS chemicals can be a complicated one in the environmental insurance world.
We have seen many exciting opportunities so far this year that we want to share
Wastewater treatment plants can be found all over the United States, and are designed to
Join us at the Women in Insurance Summit in Los Angeles. Learn more.
It is widely known that the insurance marketplace has seen an increase in the number
Demolition contractor operations go beyond construction and disposal related activities. Check out some of the
The demand for electric vehicles (EVs) has significantly increased over the last few years, with
With vacation and travel season already here, it is a critical time to evaluate the
Cannabis companies may be considered a relatively new business segment, but the environmental impact of
Greater public awareness about the effects of pollution on property and health, as well as
Package policies are available. Learn more. Specialty Program Group has a successful track record of
Our country generates a lot of waste, and regardless of where it’s coming from, it
This tale begins with an all too familiar scenario: Mom, Dad, and the kids packing
Contractors Professional is a combined CPL and Professional Liability policy that is custom tailored to
Monarch E&S Insurance Services (Monarch E&S), a division of Specialty Program Group LLC, has announced its acquisition of the assets of Commonwealth Underwriters, Ltd.
Monarch E&S Insurance Services (Monarch E&S), a division of Specialty Program Group, has acquired the assets of Anderson & Murison, Inc. (A&M).
In recent months, we have noticed changes in the Site Pollution market for apartments, condos,
Spring is here and construction and redevelopment projects are starting! Have you spoken with your
The recent collapse of the Silicon Valley Bank (SVB) has sent shockwaves throughout its tech
If an insured doesn’t clearly understand how Sudden & Accidental pollution is defined in their
Offer environmental insurance. Every account has a pollution exposure — offering environmental coverage highlights your
What is UST Regulation 40 CFR Part 280? All tank owners should be familiar with
A common situation that comes up mid-policy term (particularly in the spring and summer months)
In general, land conservation entities are designed to preserve the environment by establishing agreements between
Specialty Program Group LLC consolidates environmental insurance operations, Beacon Hill Associates and Specialty Wholesale Insurance
Beacon Hill’s Most Popular Articles From Last Year Take a look at our most read
Insurance publications and LinkedIn posts are often inundated with the call for specialization in the
Happy Holidays From Beacon Hill Associates Wishing you a very happy holiday season from the
At Specialty Program Group, we pride ourselves on providing the right coverage with the best
November News & Thanksgiving Wishes We appreciate your business and partnership throughout the year! Best
Some of the dirtiest jobs are also the hardest to place within standard markets. Fortunately,
By Cy Lawson, Broker Emergency Cleanup Costs, Emergency Expenses, Emergency Remediation Costs… While it can
Last month the federal Cybersecurity and Infrastructure Security Agency, otherwise known as the (CISA) announced
The insuring agreement for Site Pollution coverage can vary drastically from carrier to carrier, and
It’s common for insureds to assume that their General Liability policy provides adequate Pollution coverage.
By Justin Radcliffe, Vice President and South Central Regional Manager Many oil and gas insurance
The United States’ relative wealth, stability, and broad access to television and the internet have
Thanks to a cybersecurity organization, we don’t have to guess. Sophos released its most recent
By Carter McAuley, Vice President Fall means back to school! This is an exciting time
Read the Renewable Energy issue Cover artwork by Davide Bonazzi (Salzman Art)
It is halfway through 2022, and with so much change in insurance and the world,
Please contact us with any upcoming accounts or information requests. Visit Beacon Hill’s blog for
By Chapin Speidel, Vice President and Rocky Mountain Regional Manager In the past few years,
We want to share with you our list of accounts that we see as the
By Sara Kooij, Assistant Vice President Some well-intentioned agents may think: “My insured doesn’t manufacture
Companies that manufacture, process, or distribute chemicals have a clear and unique environmental exposure. Not
The environmental insurance marketplace is competitive and complex. More carriers are entering this space and
The environmental exposures for a welding supply and distribution business are varied. They can come
A non-profit organization is a group established for purposes other than generating profit and in
Occasionally insureds have a contract requiring higher limits than they currently carry. Sometimes, they are
What is an Environmental Site Assessment? An Environmental Site Assessment (ESA) is a comprehensive review
Housing authorities are established to provide reasonable and safe housing for eligible low-income families, the
Read the Manufacturing issue Cover artwork by Davide Bonazzi (Salzman Art)
Businesses handling, storing, and transporting gases have complicated pollution exposures. While these companies may believe
The Specialty Program Group team is experienced in writing packaged solutions for many industrial and
Cyber security threats have evolved quickly and now pose a threat to all businesses. We
Warehouse facilities have the potential for serious pollution exposures due to the size of the
Monarch E&S announced that Devon Borisoff has been promoted to Vice President, Commercial Lines Leader of Monarch E&S’ Flagship West Coast Operation.
Asbestos, Lead and Mold Abatement Contractors Abatement contractors face a number of unique exposures from
Monarch E&S takes pride in being able to place complex risks. Check out our success story of how we helped place a unique flood insurance policy. Learn more.
Fertilizer application can have significant benefits to the agriculture industry, but may also create complicated
Solutions. Working with the Specialty Program Group team will provide more than just access to
ATLANTA, GA – Capitol Special Risks announced today that Alison Green is joining their specialty
Amanda Sedliak will succeed Dorothea Westin as President of Capital Special Risks. “Amanda Sedliak came to our company
By Sara Kooij, Senior Broker Over the past five years, one particular product has shown
CIO Views recently named Capitol Special Risks as one of the top 10 Customer
Did you know that cyber-attacks have increased 300% since the beginning of the pandemic? Capitol
By Larry Simmons, Assistant Vice President One of the more overlooked coverages in the environmental
Read the Waste Disposal issue Cover artwork by Davide Bonazzi (Salzman Art)
We have seen an uptick in porta potty rental, cleaning, and servicing business accounts lately
Do you have a carpet installation or flooring company you need pollution coverage for? Submit
ATLANTA, Georgia, June 1, 2021 – Keystroke Underwriters, a division of Specialty Program Group, announced
SPG’s in-house program administrator can offer Contractors Professional coverage for any size account. Offering A+
Usernames and passwords are no longer enough to stand up to hackers with sophisticated software
Owners and managers of apartments, condominiums, commercial mixed use, retail, and industrial properties have unique
Chubb has bestowed its Commercial Cornerstone designation on Monarch E&S. Fewer than 6 percent have earned the Cornerstone designation.
Overseen by the EPA and OSHA, manufacturing and distributing facilities are far safer and cleaner
As you know, the insurance industry has been laden with premium increases, renewal challenges, increased
Standard business Auto policies exclude coverage for pollution events unless they result from gas, brake
Client: Car Part Supplier Situation: A start-up company designing international car parts being sold
Wayne Bernstein, Professional and Executive Liability Specialist, and Matthew Romano, Flood Specialist, are among the 42 Top Specialists Brokers of 2021.
Read the Emerging Concerns issue Cover artwork by Davide Bonazzi (Salzman Art)
Coverage for storage tanks is one of the most common risks we address―companies, organizations, facilities,
Environmental consultants who assess the effects of contaminants, perform site assessments, or advise businesses on
Privacy & Network Security Coverage, as well as Technology Errors & Omissions, have up until
Few events are more terrifying than a wildfire. If you live in a wooded area, you ensure that you can evacuate your family safely when needed.
Do you need help with a challenging site account, coverage for a property with a
No matter how thoroughly you research flood zones, protection from risk is not guaranteed due to flood’s many causes. Learn how you can be protected.
Despite a slowdown in many industries this year, construction projects are going strong, with many
Specialty Program Group has monoline Excess options! If you are looking for more competitive pricing
Because septic system contractors typically work below ground, they often aren’t sure what they may
The U.S. has seen a significant increase in wineries, distilleries, and breweries established over the
Many industries have come to a screeching halt during the pandemic, including travel, hospitality, and
If you have a management liability account that’s difficult to place, including D&O, EPL, Fiduciary, and workplace violence,
With hospitals and medical facilities busier than ever, the amount of biohazardous, biomedical, and infectious
Environmental facilities like wastewater treatment plants and recycling centers have seen steady activity this year,
Knowing when and who is responsible for reporting a claim is important. “Any insured” vs.
We are in the midst of a correcting market. High aggregate loss ratios since 2013,
A Workers Compensation policy provides coverage for an employer’s exposure arising out of job-related injury/death
Read the Communicable Diseases issue Cover artwork by Davide Bonazzi (Salzman Art)
By Bill Pritchard, President & CEO Over the last several weeks we have been asked
Transporters of hazardous materials have requirements under various agencies that involve reporting of materials they
Specialty Program Group has extensive experience writing fire & water restoration accounts—we have helped our
Specialty Program Group writes a number of nursing homes and assisted living facility accounts. We
Read the 2020 Environmental Outlook issue Cover artwork by Davide Bonazzi (Salzman Art)
Pollutants from fire/water restoration contractor activities can significantly affect the environment, even though these activities
By Allison McGreal, Assistant Vice President, PartnerOne Environmental Underwriters are seeing an increase in Auto
Many school districts are self-contained communities, with operations and buildings that can span a large
By Carter McAuley, Vice President My insured has a claim, now what? No insured wants
By Kim Herman, Director of Compliance As a wholesale insurance broker specializing in environmental coverages,
There are a number of activities conducted at restaurants that could increase the potential for
The ‘upstream’ segment of the energy industry deals with a very complex set of operations,
One thing most agents can agree on is that understanding the pollution coverage that is
Read the Industrial issue Cover artwork by Davide Bonazzi (Salzman Art)
If you look closely at the top of most applications for Site Specific Pollution liability
For many years, the insurance industry has had a single approach to pollution in the
A typical Commercial General Liability Policy will exclude contractual liability which “indemnifies a railroad for
What is an Additional Insured Endorsement? Occasionally an insured may require a specialized Additional Insured
By Ivy Riggs, Executive Underwriter, PartnerOne Environmental “You sold me the wrong policy!” is a
Pollutants from fire/water restoration contractor activities can significantly affect the environment, even though these activities
Here are the top 5 classes we typically write for our main product lines: GL/Pollution/Professional
Read the Marketplace Outlook issue Cover artwork by Davide Bonazzi (Salzman Art)
In this age of environmental awareness and push towards more energy efficient operations, business has
Companies in the flooring industry, whether they specialize in manufacturing, distributing, or installing, run a
Read the Recycling issue Cover artwork by Davide Bonazzi (Salzman Art)
Over the past few decades, silica has received attention in the environmental insurance arena due
Power plants generate and disburse power to businesses and homes across the country. People in
All dealerships and auto repair shops have a pollution exposure—oil/grease spills, hydraulic lifts, and chemical
Read the Natural Disasters issue Cover artwork by Davide Bonazzi (Salzman Art)
By Carter McAuley, Vice President Runoff and erosion are common problems in construction, farming, and
Read the Mold issue Cover artwork by Davide Bonazzi (Salzman Art)
1 – Storage Tank Liability is more robust and affordable than ever before.Beacon Hill Associates
Read the Sites issue Cover artwork by Davide Bonazzi (Salzman Art)
Read the Carrier Stability issue Cover artwork by Davide Bonazzi (Salzman Art)
Read the Manufacturers issue Cover artwork by Davide Bonazzi (Salzman Art)
Read the Contractors issue Cover artwork by Davide Bonazzi (Salzman Art)
Medical transport companies have a heightened risk from environmental exposures because of the population they
Read the Indoor Air Quality issue Cover artwork by Davide Bonazzi (Salzman Art)
Non-owned disposal sites (NODS) are facilities to which owners/operators or contractors take waste. Companies utilizing
Read the Energy issue Cover artwork by Davide Bonazzi (Salzman Art)
Read the Market Trends issue Cover artwork by Davide Bonazzi (Salzman Art)
HVAC and mechanical contractors are faced with a unique challenge in today’s insurance market. While
A renovation or building project does not have to involve contaminated land or an old
By Brett Amick, Assistant Vice President and South Central Manager The ongoing issues with insureds’