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February 2019

Contractors Pollution Liability Insurance

Just about all types of contractors have environmental exposure. From a roofing contractor to an electrical contractor and everything in between, there are various degrees of environmental exposures.

Who needs Contractors Pollution Insurance?

Many contractors have a need for Contractors Pollution coverage, including, but not limited to:

  • Utility, street, and road
  • Plumbing/piping
  • Excavation/grading
  • Heavy highway
  • Water/sewer
  • HVAC
  • Roofing
  • Electrical
  • Mechanical
  • Painting
  • Demolition
  • Dredging
  • Industrial cleaning
  • Fire sprinkler
  • Restoration
  • Drywall
  • Carpentry
  • Environmental
  • General contractors

Environmental Insurance Exposures Facing Contractors

Exposures that face contractors may include disturbance of asbestos, exacerbating contaminated soil, striking an underground storage tank or utility, fumes from equipment or materials, water intrusion that leads to mold, and spills from equipment and vapors, to name a few. Claims tend to be more of a severity issue than a frequency issue.

The following is an example of a Contractors Pollution claim:Read More »Contractors Pollution Liability Insurance

Preventing Child Sexual Abuse in Your Organization

UPDATE 03/08/2022: as of now we can only offer abuse and molestation coverage for the following professions and services: Vocal Coach, Tutor, Computer Lessons, Adult Education, Yoga Instructor, Umpires, Referees and Other Sports Officials, Sports Coach, Personal Trainer, Dance Instructor, Fitness Instructor, Golf Instructor, and Indoor Cycling Instructor all have Abuse and Molestation Coverage.

There have been many alarming stories in the media about sexual abuse of children in athletic organizations, religious organizations, and schools. Organizations have a responsibility to protect the children they support from a sexual perpetrator. Beyond the moral responsibility, some organizations, such as youth sports organizations, are required by law to take specific steps to prevent child sexual abuse. Given the trust-based nature of this crime, it can be very difficult to detect dangerous behavior(s) until it is too late. Among the cases of child sexual abuse reported to law enforcement, 93% involve a perpetrator that the child knows and trusts, such as a relative, care provider, family friend, coach, student leader, or ministry volunteer. Taking additional, cost-effective prevention measures that increase your organization’s barriers to this crime remains in the best interests of the children you support.

Creating a Child Sexual Abuse Prevention Program

It is important for child-serving organizations to have a comprehensive child abuse prevention program in place. Key elements of an effective child sexual abuse prevention program include:Read More »Preventing Child Sexual Abuse in Your Organization