Michael & Tracy - Regional Production Team

Michael Tighe
Assistant Vice President
Phone: (800) 596-2156 ext. 105
Email: mtighe@b-h-a.com

Mike Tighe, originally from Throgs Neck, NY moved to Virginia in 1989. He started his insurance career with Farm Bureau in 1997 in the Washington DC/Northern Virginia area. Learning the ropes quickly, Mike became Virginia rookie of the year within the company. He later went on to become an independent agent with Erie Insurance Group in Lynchburg, Virginia before coming on board at Beacon Hill Associates in 2001. He earned a business degree from the University of Virginia here in Charlottesville, VA. When not helping brokers place environmental insurance, Mike can be found on the golf course or wine tasting at one of the local wineries. Mike understands the challenges that producers face and enjoys helping them secure competitive and effective environmental coverage.

Tracy Durham
Associate Account Executive
Phone: (800) 596-2156 ext. 119
Email: tdurham@b-h-a.com

Tracy Durham handles small new business accounts for this region. Tracy started working with the Beacon Hill team in September 2011 and has over ten years of experience serving in a customer service position with independent insurance agencies. Tracy is originally from Lynchburg, VA and earned a History degree from James Madison University. She holds both Property & Casualty and Life & Health licenses for the State of Virginia, as well as a CIC designation. As an Associate Account Executive, Tracy works on new business opportunities and provides assistance for other general servicing issues.

Michael and Tracy handle the following states for Beacon Hill*:

This team has had particular success writing the following types of accounts:

• Environmental Contractors – asbestos, lead, mold remediation, fire restoration, industrial cleaners, tank contractors, etc.
• Demolition Contractors.
• Hazardous Material Auto Risks.
• General Contractors– Professional and Pollution/Mold exposures.
• Environmental Consultants - Air quality, Mold testing, radon, soil, waste brokering, regulatory compliance, environmental assessments, etc.
• Commercial Real Estate – Pollution, Mold, in-place lead, and asbestos.
• Manufacturers – General Liability, Product Pollution Liability, Premises Pollution Liability, and Transportation Pollution Liability.
• Chemical Blenders and Distributors – General Liability, Product Pollution Liability, Premises Pollution Liability, and Transportation Pollution Liability.

Recent regional success stories:

• Demolition, abatement, construction debris contractor
  Coverage purchased: General Liability/Pollution, Workers Compensation, and a $5 Excess policy
  Premium = $170,000
• Waste consultant/metal recycler
  Coverage purchased: General Liability/Contractors Pollution Liability
  Premium = $12,000
• Large commercial contractor
  Coverage purchased: Occurrence Contractors Pollution Liability
  Policy limit: $10M
  Premium = $24,000
• Soil remediation/excavation contractor
  Coverage purchased: Workers Compensation
  Premium = $50,000
• $25M HVAC contractor
  Coverage purchased: Professional and mold coverage for their design exposure
  Premium = $17,000.
• Premises Pollution for a commercial land purchase
  Policy limit: 10 year policy, $10M limit, new and preexisting coverage
  Premium = $140,000
• Residential apartments, multi locations
  Coverage purchased: Contractors Pollution Liability/Mold/Legionella coverage
  Policy limit: $10M
  Premium = $44,000
• $13M tank/gas station contractor
  Coverage purchased: General Liability/Contractors Pollution Liability/Professional and Excess Premium =$58,000