Environmental Package Policy

BeazleyOne Environmental is a tailored insurance program that combines professional, contractor and general liability insurance protection into one form for firms providing environmental and engineering services.

What we offer

Commercial general liability (GL) coverage on either a claims made or occurrence coverage trigger subject to underwriting eligibility
Professional liability arising out of any act, error or omission in rendering or failure to render professional services
Contractors' pollution legal liability (CPL) coverage  for pollution conditions arising out of the performance of or failure to perform contracting services; available on either a claims made or occurrence coverage trigger subject to underwriting eligibility
Contractual liability for general liability and  pollution conditions for liability assumed under a written agreement that is an insured contract including action-over protection
Property damage includes natural resource damage
ADA/FHA/OSHA regulatory or administrative actions reimbursement extension - $30,000 per policy period
Defendants' reimbursement extension - up to $500 per day, subject to a maximum of $10,000 per claim
Disciplinary proceedings reimbursement extension - $10,000 per policy period

Medical payments reimbursement extension - $30,000 per policy period
Reputation management reimbursement - up to 50% of the first $30,000 in expenses per policy period
Automatic additional insured protection under GL and CPL coverage for clients when required by a written agreement
Blanket waiver of subrogation provision for clients of the insured as required by written agreement
Broad definition of insured-includes insured's participation in joint ventures
Automatic 60-day coverage for acquired entities
Innocent insured provision
Hired and non-owned auto included
Separate limit of liability for claims expenses included within the aggregate limit of liability, employers liability and employee benefits protection available subject to underwriting eligibility

Up to US $25,000,000 primary; or

$1M/$2M primary with a $5M Umbrella

How can we help

With underwriters that have extensive experience in servicing this industry, Beazley has created a tailored insurance program that combines professional, environmental and operational liability insurance protection into one form, along with a strong commitment to risk and claims management to assist firms with growth and profitability.

The Beazley Difference

Integrated risk protection package that combines several coverages in just one policy
Affirmative coverage for claims made against an insured which results in bodily injury
Deep product knowledge since we pioneered Virtual Care in 2009
Knowledgeable Underwriters, Wordings Lawyers, and Claims Managers with expertise in all key areas of coverage
Dedicated Beazley Breach Response Services, including breach response management, information security insurance solutions, and risk management services

Examples or Scenarios

Our insured was retained to provide its client with a phase I environmental site assessment. The client later alleged the insured’s report should have and failed to include certain information that would have impacted the terms of a purchase and sale agreement for the real estate in question. Beazley appointed counsel who specialize in defending engineers in professional liability disputes to obtain an early and cost-effective resolution based on both the applicable standard of care and a carefully crafted limitation of liability provision in the insured’s contract.