Add Value: Offer a Multi-Line Program

At Beacon Hill Associates, we work with agents around the country to place environmental insurance for their clients. Many of these accounts are like puzzles, and require us to fit different coverages together to create a complete insurance program. While we focus primarily on helping our agents write environmental coverages to protect their clients’ businesses, we also help them build their books of business by offering supporting lines, adding value to these accounts and making them difficult for competitors to take away.

Top 3 Advantages of Offering a Multi-Line Program:

1.  Streamline your client’s insurance account by offering all coverages with the same carrier.
     This saves time and the insured will often receive a multi-line discount on premium.

2.  Simplify communication with the carrier. By working with one carrier to handle all lines of
     an account, there is typically one contact who handles all questions and claims.

3.  Eliminate the possibility of multiple carriers having differing views on a claim or discrepancies
     on handling the insurance coverages.

The most common types of supporting lines we can secure are: Pollution, Auto, Excess, Professional, General Liability, and Workers Compensation.

Some of Our Multi-Line Success Stories Include:

• Multifaceted energy/environmental services company operating salt water disposal wells, trucking, emergency response engineering, and related services. Placed the General Liability, Auto, Workers Compensation, Motor Truck Cargo, E&O, Premises Pollution, and Umbrella for in excess of $850,000.

• Chemical manufacturer seeking General Liability, Site Pollution, and Excess Liability. Wrote a combination General Liability with Third Party Bodily Injury/Property Damage and $1M Excess for $14,000.

• $26M environmental contractor/consultant. Packaged General Liability/Pollution/Professional, Excess, and Auto with one carrier for just under $325,000.

• $5M tank contractor seeking General Liability/Pollution Associated Professional Coverage and $4M Excess for a total of $90,000.

• Small hazmat/crime scene clean-up contractor seeking General Liability and Pollution coverage. Wrote with a two Excess policies (over Auto and Employers Liability) for about $8,500.

• Large Mid Atlantic tank removal/emergency clean-up contractor, wrote General Liability/Pollution, Auto with broadened pollution/ MCS90 endorsement, Workers Compensation, and $1M Excess policy for $148,000.

• Hazardous Materials Trucking Company. Placed General Liability, Auto, and Excess for $421,000.

• Chemical blending and production company wrote General Liability, Premises Pollution, Auto, and Excess for a combined premium of $186,000.

Contact us today for more information, applications, or to discuss where we can help you find opportunities!