Great American Environmental Products

Great American Environmental Insurance Programs

Information on these programs was provided by our friends Great American Enviromental

For more information or to apply for one of these coverage programs please contact us today.

Premises Environmental Liability Insurance Policy

The policy covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with a covered location on a claims-made basis.  It covers an insured’s pollution liability arising from non-owned disposal sites, transportation of products or wastes, and incidental contracting services.  Coverage is available for new and historical pollution conditions arising from both sudden and gradual events.  The definition of pollutants includes mold matter and legionella. The definition of property damages includes natural resource damage.  A ten-year policy term is available for certain classes of business and coverage.

Who’s this for?

The policy is suitable for environmental facilities including landfills, recyclers, water/waste-water treatment plants; real estate including apartments, condos, hotels, offices, shopping centers; chemical/petroleum facilities including distribution, manufacturing, storage, refining, pipelines, service stations; commercial facilities including agricultural, airports, colleges/universities, food industry, municipalities; healthcare faculties; and industrial facilities including general manufacturing, mining, pulp and paper, steel recyclers, and utilities.  Legal expense is provided within the Limit of Liability.

Indoor Air Quality and Mold Liability Insurance Policy

This policy provides claims-made coverage for bodily injury, property damage, legal expenses and building related clean-up costs resulting from pollution conditions associated with buildings on a covered location.  Coverage is available for new and historical pollution conditions arising from both sudden and gradual events.  The definition of pollutants includes mold matter and legionella. 

The policy responds to claims arising from, or the discovery of, pollutants on, at or within a building.  Legal expense is provided within the limit of liability.  

Who’s this for?

Suitable for real estate including apartments, condos, hotels, offices, shopping centers; commercial facilities including colleges/universities, municipalities as well as healthcare facilities.

Contracting Services Environmental Liability Insurance Policy

This policy covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with Contracting Services on an occurrence basis.  It also covers liability associated with non-owned disposal sites, transportation of products or wastes and owned locations on a claims-made basis.  There is liability coverage for both ongoing contracting services along with completed operations coverage to provide protection after the job is finished.  Coverage for a specific project is available.  Sudden or gradual pollution events are covered plus loss and clean-up costs from pollution conditions that migrate from the job site or the insured’s covered locations. 

In addition there is discovery coverage for sudden pollution conditions at a job site  Other benefits include blanket non-owned disposal sites, in-bound and out-bound transportation, legal expenses within the limits of liability and bodily injury including building related illness and medical and environmental monitoring.  The definition of pollutants includes mold matter and legionella. The definition of property damages includes natural resource damage.  A ten-year policy term is available on project policies with an additional completed operations period. 

Who’s this for?

This policy is suitable for many types of contractors including General Contractors, Specialty Trade Contractors and Environmental Contractors.

Professional and Contracting Services Environmental Liability Insurance Policy

This policy covers acts, errors and omissions arising from Professional Services performed by or on behalf of the Insured on a claims-made basis and bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with Contracting Services on an occurrence basis.  There is liability coverage for both ongoing contracting services along with completed operations coverage to provide protection after the job is finished.  It also covers liability associated with non-owned disposal sites, transportation of products or wastes and owned locations on a claims-made basis.  In addition there is discovery coverage for sudden pollution conditions at a job site  Other benefits include blanket non-owned disposal sites, in-bound and out-bound transportation, legal expenses within the limits of liability and bodily injury including building related illness and medical and environmental monitoring.  The definition of pollutants includes mold matter and legionella. The definition of property damages includes natural resource damage. 

Who’s this for?

This policy is suitable for various types of contractors and consultants including Construction Managers, General Contractors, Specialty Contractors, Environmental Consultants and Environmental Contractors.

Closure and Post Closure Financial Assurance Policy

This policy provides the insured with a financial assurance mechanism to meet the needs for the closure and/or post closure costs of a regulated waste facility.  It does so by allowing for payments directly to the regulatory agency for a full or partial closure and/or post closure costs.  It pays on behalf of the insured and the company can deal directly with the regulatory agency on behalf of the Insured.  The policy uses a deductible in lieu of retention for any retained amount, has modified cancellation provisions to comply with the financial assurance guidelines and assists the insured in meeting financial assurance obligations. 

Who’s this for?

This makes the policy suitable for any customer class that owns or operates a landfill, waste treatment unit or a hazardous waste treatment, storage or disposal facility and is required to post financial assurance costs to meet the regulatory guidelines under RCRA.

Excess Environmental Liability Insurance Policy

This policy provides excess coverage for either a claims-made or occurrence primary pollution policy written by an approved and qualified environmental carrier.  The coverage is designed for both new and historical conditions and covers either sudden or gradual pollution events. 

Who’s this for?

Qualified customers are those who have purchased a primary environmental insurance policy with a qualified environmental carrier subject to an underwriting review of the exposures and the primary policy terms and conditions.