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Municipality Abatement Program

Introduction

The program grew out of an early 1990's lead abatement
program sponsored for HUD grantees by the Highpoint Housing
Authority in North Carolina. It provided the pollutant specific
coverage , as opposed to full pollution, for the contractors and
the unit owners for abatement being done with a HUD grant.
Since the inception of the program in 1991, abatement coverage
has become freely available and virtually all licensed abatement
contractors have a policy form that includes broad spectrum
pollution coverage (that is, not limited to a specific pollutant).
Yet federal guidelines have not changed which recommends
that grantees purchase the insurance. In fact grantees are
allowed to report the cost in the grant The main reason for this
is the grantee is insured , along with the unit owner (if different
from the grantee), and the contractor.

Policy

The is a modified contractors pollution liability policy. It provides
occurrence coverage to give completed operations for up to one
year after the policy expires on jobs completed during the policy
period. The policy may be written on a stand alone pollution
policy or it may include General Liability. Only named pollutants
are covered. (i.e. : Lead, Asbestos, PCB's etc.).

Defense cost is outside the limit.

The policy is written to run concurrent with the grant, and
therefore is usually multiple years, but the aggregate limit is
for the policy term, not an annual aggregate per ISO language
are available, for an additional charge of 10%.

It is common to have the policy period to read: from x/x/00
- x/x/00, or until 100 units are abated under Grant number
xxxxx, which ever occurs first.

Marketing

CIG has appointed Legends Environmental Insurance Services,
LLC as the exclusive broker for the program. Bill Lohman has
been involved with placing Environmental Insurance Coverage's
since 1986 and has a national reputation in the Environmental
Marketplace.