In first part of this article series, we described claims scenarios that can result from your known and unknown environmental exposures. Because it’s often difficult to know when an environmental coverage is necessary, we’ve compiled a list of leading questions that will help you consider your environmental exposure.
For Contracting, Consulting and Transportation Risks
- Do you ever have any contracts that ask for contractors’ pollution liability coverage? How have you responded to those requirements?
- Do you think there could be any additional jobs available to you if you carried this kind of coverage?
- Do you ever do any digging or excavation? What would happen if you hit an unknown pipeline or storage tank?
- Do you ever do any work around/consult on the removal or testing of lead paint or asbestos? What would happen if you didn’t remove it all or dispose of it correctly? Are you involved in any way with Indoor Air Quality Testing?
- Do you ever do any work around or provide consultation about hazardous materials? What about the transport/permitting of hazardous materials?
- Do you ever haul or have you ever hauled any soils or other material?
- Do you ever arrange for the disposal of any hazardous material?
Read More »Environmental Claims Part 2: Examples that Can Lead to a Loss
