Helping You Handle Changes in the Market

As you may know, the environmental market niche is experiencing many changes right now. Some carriers are non-renewing portions of their business, some are establishing relationships with new companies, and almost everyone is seeing a “churn” in the market. Beacon Hill has built our business model around stability—offering quality coverage to your insureds is our top priority, which is why we select our carrier partners based on strength, longevity, claims handling, and reputation. We have achieved growth every year for the past 22 years, which is proof that both our agents and the markets we utilize find working with us beneficial.

Although shifts in market activity may raise questions and create apprehension, we believe this can present opportunities as well. We can help you offer your clients broader coverage at competitive rates, access to carriers with supporting lines that will help round out the account, and ongoing support services that include loss control and risk management for qualifying accounts.

Our direct connection to the environmental divisions of our carrier companies means that we can bring you the most suitable coverage, in the most efficient way possible. Lines include: Contractors Pollution Liability, Professional, Site Pollution Liability, companion Auto and Workers Compensation, and more.

Now, more than ever, it is important to have the right people taking your business to the market. We value our partnership with you and strive to be your source for environmental insurance. Please contact us if you have questions about our products or if you would like to discuss upcoming opportunities.

New! Beacon Hill’s Podcast Archive

You can now access all of Beacon Hill’s podcasts on our new podcast webpage. The most recent clip is posted at the top and all previous videos are listed below it. Check it out!

Contractors Pollution Liability for
Biosolid Applicators

By Gayle Schumacher, PartnerOne Environmental Underwriter

Biosolid and manure applicators must adhere to a number of guidelines in order to meet government regulations for safely handling, transporting, applying, and cleaning up biosolids and similar waste. Properly hauling and applying this waste product is a very specialized industry, which can be affected by the season, surrounding land and water, and previous treatment of the land. It is crucial that these contractors be insured in the event of a claim. PartnerOne Environmental has the ability to offer Contractors Pollution Liability (CPL) and in some cases General Liability coverage to insureds who specialize in biosolid pumping and application services. Read the complete article.

Success Stories

• Large construction project
  Coverage purchased: International Contractors Pollution wrap up policy for all contractors on the jobsite.
  Policy limit: $50M
  Premium = $840,000
• $1M Fuel station construction, tank operations
  Coverage purchased: General Liability and Contractors Pollution Liability
  Policy limit: $1M/$2M
  Premium = $11,312
• $1M Tank, operations, environmental abatement and demolition contractor
  Coverage purchased: General Liability, Contractors Pollution Liability, and Excess.
  Policy limit: $1M/$2M primary, $1M Excess
  Premium = $28,698
• $11M Oil refinery/recycler
  Coverage purchased General Liability, Products Pollution Liability, Contractors Pollution Liability, Auto, and $4M Excess.
  Premium = $177,000
• $3.025M Demolition contractor
  Coverage purchased: Contractors Pollution Liability
  Policy limit: $1M/$2M
  Premium = $7,075
• $12M Historic building general contractor
  Coverage purchased: Contractors Pollution Liability and Professional, including indoor air quality coverage.
  Premium = $21,000