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Environmental Assurance for Industry and Commerce

A sustainable future requires the balance of economic growth and environmental protection.  While we prosper it is essential to protect our customers, community, and natural resources from injury.  But accidents happen and pollution loss is excluded in standard commercial insurance.  Steward steps in to provide financial resources in the event of environmental incidents to protect your business, indemnify injured parties and restore damage to the environment.

PRODUCT OFFERING

EnviroTask

Contractors Pollution Liability Insurance (EnviroTask) policy addresses contract insurance requirements to get contractors into compliance and onto the jobsite.

EnviroGap

Pollution Legal Liability Insurance (EnviroGap) addresses gaps in standard liability and property policies to provide protection against environmental pollution loss.

Coverage Details

  • A XV Capacity

  • $5,000,000 limits available

  • $1,500 minimum premium

  • Additional coverage terms required by contract including:

    • Blanket additional insured

    • Blanket waiver of subrogation

    • Blanket primary/non-contributory wording

Coverage Details

  • A XV Capacity

  • $5,000,000 limits available

  • $2,500 minimum premium

  • Multi-year terms up to three (3) years

  • Standard coverage's include:

    • New pollution conditions – bodily injury, property damage and on/off-site cleanup

    • Non-owned disposal site liability

    • Transportation pollution liability

    • Mold Liability

    • Legionella and Bacteria Liability

    • Pre-existing pollution conditions – bodily injury, property damage and on/off-site cleanup

  • Any property eligible

  • Simplified underwriting for Commercial, Residential, and Hospitality Properties

    • Short form intake application

    • Statement of Values with COPE

    • Loss Runs for GL/PROP/PLL

Additional Optional Coverage's

  • Transportation pollution liability, first and third party

  • Non-owned waste disposal facility coverage

  • Microbial matter coverage (mold, fungus, viruses, legionella)

  • Punitive damages where insurable by law

  • Contractors Professional Liability

  • Project-Specific Policies or Dedicated Limits

Target Classes

  • General contractors

  • Construction (commercial/residential)

  • Plumbing

  • Electrical

  • Fire/water restoration

  • HVAC/mechanical

  • Excavation/paving

  • Painting

  • Roofing

  • Sewer/water main construction

  • Utilities

  • Welding

  • Insulation/fire proofing

  • Environmental Remediation

Additional Optional Coverage's

  • Pre-existing pollution conditions – bodily injury, property damage and on/off-site cleanup

OUR TEAM

Brad Maurer

Underwriter

Brad has been in the environmental insurance industry for over 25 years as an underwriter and broker on both the retail and wholesale sides.  In each he has led national practices.  Before insurance he was an environmental scientist investigating toxic substances at Superfund sites which explains his sense of humor.  With his insurance, engineering, and legal backgrounds, Brad is known for developing creative and cost-effective environmental insurance solutions for both insured-specific placements and programs.