1978 name the place and you will have an idea on my upcoming vlog episode. This is where Environmental Insurance all began......
6 1214 hours ago
You would think as an environmental insurance broker I write a ton of landfills and hazardous waste haulers. By far the most unaddressed environmental hazard is that of a trade contractor working in a building whom could create a silica dust issue, mold or bacteria release , or asbestos & lead contamination event. The difference being land fills and hazardous waste haulers know they have an exposure. Trade contractors have no idea their insurance policies contain the same exclusions and some have never considered the contamination events their operations could create.
Hope your enjoying your morning cup of joe. Coffee waste, also known as coffee wastewater effluent, is a byproduct of coffee processing. Its treatment and disposal are an important environmental consideration for coffee processing as wastewater is a form of industrial water pollution....... #themoreyouknow
All we do is win win win no mater what 💯-T-Pain voice .....
3 314 days ago
Environmental conditions can spring up just as fast as storms and floods do during hurricane seasons. Windstorms, floods, and other natural disasters can create leaks and containment issues washing potentially hazardous materials into rivers and downstream properties.
4 184 days ago
Time to level up! Breaking through the noise and working to be the exception. Appreciate y’all for following along 💯
BOOM💯💥💥 First episode up link in my bio let me know what you think......
1 165 days ago
Have you ever seen an environmental insurance broker that actually has a piece of the environment tattooed on their forearm ...... nope didn’t think so. The Insurance game is changing and millennials are here to play. I see nothing but dedication here 💯🙌🏼🙌🏼
11 236 days ago
Environmental Insurance is the perfect insurance producers tool. If utilized correctly the products and coverage allow for a way to secure client relationships with maximized value while growing a new source of revenue for your brokerage or agency.......... Bet your competitors not having the conversation 💯
To be effective in the sale of pollution coverages the client has to understand the effects of the pollution exclusions on their business and then they must decide to either self insure or finance their environmental risk. 💯
Some custom logo and headshot work.... @zacdynes does great work. 💯🙌🏼💯
6 194:57 PM Feb 10, 2018
We’ve made it to the weekend! We’ll see you on the flip side, and by the flip side we mean tomorrow because we are open from 9:00 am to 12:00 pm. 👋🏻
1 223:03 AM Feb 10, 2018
Awesome meeting with @trustedchoiceco this morning. Big things coming for association members on environmental risks.
3 307:07 PM Feb 9, 2018
Robinson Strategic Advisors continues to serve the contractor market as one of our cornerstone services. The advantage Robinson Strategic Advisors has over other companies, is that we can provide the contractor one stop shopping. We can provide complete general liability, commercial auto coverage, equipment coverage, workers compensation coverage and excess liability coverage. ⠀
3 555:06 PM Feb 9, 2018
Most if not all commercial property owners are underinsured for environmental risks. Few property owners or managers understand the far-reaching effects of pollution/fungi/mold and bacteria exclusions and there limitation on property and general liability insurance coverages. As a result the insurance marketplace has seen an increasing number of uncovered claims arising from water intrusion events within the built environment.
It’s getting wild out west. Effective Jan. 1 of this year Denver’s green roof initiative mandate was voted into reality. Making it mandatory for any new or existing buildings 25,000 square feet or more include a green roof or a combination of green roof and solar energy. Green roofing can remove airborne particles, heavy metals, and volatile compounds from the air preventing pollutants from entering water systems. That said these roofing systems bring their own insurance challenges as leaky roofs and mold where the #1 cause of loss in the commercial building space last year. Leaking irrigation systems will definitely bring a new pollution hazard for building owners and managers to consider.
For the love of all things good don’t rely on the pollution exclusion’s give back in coverage for hostile fires, chemicals brought to the job site, or completed operations. If there is a spec of contamination the event is likely entirely excluded.
What is it that you exactly do? I am asked this on the daily. Basically I help insurance brokers and business owners identify environmental risks. I then work to offer a concentrated insurance program to cover those risks. Over 90% of today’s commercial businesses are uninsured for environmental losses and I help to transfer those uncovered hazards to an insurance policy built to respond in an environmental loss scenario.
When was the last time you had a thorough insurance review? We specialize in making sure that what matters the most is properly protected! If you or someone you know could benefit from a NO COST review, please call, email, message us or comment below. We are here to help! #thepotomacagency#insurancesolutions#insurance#riskmanagement
2 39:31 PM Feb 6, 2018
Big part of my page is to show how I roll. I am a slow reactor and in looking to build a personal brand and this page it took time. This right here is my #contentcup I save little thoughts, quotes, environmental Insurance concepts I come across throughout the day so I can share and never loose that idea.
1 178:44 PM Feb 6, 2018
Sick kid equals quick pic and learn. Schools and other educational facilities can all have common mold, asbestos or lead contamination issues which would all be excluded by a standard property policy. These types of BI losses from contamination events can be costly in closed environments especially when it includes the little ones.....
Most standard umbrella or excess policies have separate exclusions specific to pollution events. Most environmental claims although not frequent are in most instances severe. Exactly when an insured would want extra limits they find out their business umbrella or excess coverage won’t respond either. Only specialized environmental markets offer excess or umbrella coverage that will cover pollution events and sometimes those carriers can be hard to find.
The weather outside, is weather. It’s cold and the roads are not great. I’m currently driving to Lethbridge, and have passed 3 accidents already. Be safe, and courteous out there this weekend if you have to go out.
6 325:38 PM Feb 3, 2018
Non owned disposal site coverage (NODS) usually offered by endorsement to a pollution insurance policy provides coverage for an insured’s liability arising out of pollution conditions emanating from a non-owned or unpermitted disposal site.
2 223:48 AM Feb 3, 2018
Friday flow.... Dairy Farm, Excavation Contractor, Frak Water Hauler all needing environmental coverages and is only 8:30....... The pollution solution is real.
Heads up, the Occupational Safety and Health Administration (OSHA) has a brand new set of standards for Silica dust going into effect this year. Your contractors need to know that under these new standards, contracting and construction firms will be required to further reduce worker exposure to crystalline silica dust, including written control/management plans, medical exams, and training. With no coverage for this irritant in a commercial contractor's general liability policy, both contractors and project owners will need to look to contractors pollution liability (CPL) insurance for adequate protection.
1 182:50 AM Feb 2, 2018
Fact of the matter is 90% of businesses today are entirely uninsured for pollution conditions due to how broad the deffiniton of a pollutant is in common general liability and property policies. Agents and their insured cannot rely on common liability coverage for any type of release escape or dispersal of any irritant or contaminant.
1 188:13 PM Feb 1, 2018
Contractors Environmental Liability (CEL) commonly known as Contractors Pollution Liability (CPL) Insurance protects contractors and even their subcontractors against losses arising out of pollution conditions created during the course of their work. Common pollution conditions created by contractors can be a water loss which turns to a mold condition, the spreading of asbestos fibers throughout a building during a remodel job, or the accidental rupture of a septic line while trenching for a fiber optics cable. All contractors have a environmental loss exposure to a point.....
1 224:05 AM Feb 1, 2018
When considering your insurance, think about what you actually need and want from your policy. Is it coverage, price, or the ability to bundle?
We’re a small local insurance company, who help insure other small local businesses, and we wouldn’t have it any other way! Reach out, we can help gobluecircle.com
@simplexinsuranceofficial are proud to be members of Moral Fairground and are pleased to offer our fellow members a complimentary review of their current insurance policies, sums insured and risk profiles, as well as a no-obligation-quotation!
Members who then choose to place their insurance via Simplex will also receive a $50 discount.
Simply tell them that Moral Fairground sent you when contacting their office on 1300 309 237!