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Products and Policies

A Little Descriptive Background

Our program revolves around six major Groups that are all
evolved in the environmental disciplines, although there are
numerous classes within these Groups that encompasses
most, if not all, of the environmental world. The six groups
are all described below, and have their own Web Pages
links in the blue bar to your left.

Environmental Insurance usually addresses (see our "
Understanding Environmental Insurance for a more detail
explanation") the three major types of liability that people
in the environmental business are exposed to, but for all
practical purposes these exposures have become
"exclusions" in Standard Insurance policies.
These three types of liability coverage's are:

General Liability - which protects against claims for
bodily injury or property damages that results from a
pollution occurrences on the insured's property or from
operations that takes place away from their premises,
or perhaps from the insured's product.

Professional Liability - when one makes a legal
contractual commitment to provide their professional
services they become liable, not only to provide the
service, but for any damages that might be
experiencedby a third party as a result of their action,
advice, or failure to provide the service.

Pollution Liability - For individuals and organization
that face the possibility of releasing a pollutant as a
function of their work operations, be it from accident,
equipment failure, negligence--or for whatever reason--
will need pollution liability insurance. Each year brings
many new and different types of products that provide
"specialty type" coverage but the original, and sort of thegranddaddy of all environmental liability policies, is
generally referred to as EIL, or Environmental
Impairment Liability. These policies are for claims
made on specific designated sites, and will usually provide relief for bodilyinjury, property damage and
legal expense.

Its now time for us to move on to the six different Programs
and describe some specifics about them, at that point, you
will have the option to link out to their individual Sites for a
better description and to print out Applications and Checklist.
For now, we only want to give you enough data so you can
decide, and be sure, of what you really want or need.

Contractors

The Contractors programs is very flexible one and offers
contractors, of almost any type of operation, a policy with
combinations of General, Contractors Pollution and
Professional Liability--and, at a very competitive price.
The three major policy types are:

Remedial Action Contractors Program

The Remedial Action Contractors Program, (here after
shortened to RAC) is the most cost effective and easy to
administer insurance program for the contractor. It may
be combined to include General, Contractor Pollution and
Professional Liability coverage's on one form. The RAC policy
may be configured in many different versions, including the
addition of the Asbestos and Lead Abatement coverage on an
occurrence basis, as well as adding asbestos transportation
coverage. Its a "mix and match" dream, plus it does change
periodically, so it might be advisable to call Bill Lohman and
discuss the many options and pricing before you submit the
applications. To get "zero'd"in you may want to have the
discussion with Bill and then submit the Legends Quickquote
Form. Recommended !

Asbestos and Lead Abatement Program

If you are a contractor doing only Asbestos and Lead
Abatement, this should be the program for you. There will
be a special application available for you, which is easier to
complete than the RAC application. Again, this policy is flexible
and can be written to respond to meet the needs of contractors
for various bid requirements. For example, it will allow the
contractor to insure on a claims made basis and have
occurrence available when needed, without paying an
additional minimum premium. If desired, the asbestos policy
may be written on a blanket coverage basis, eliminating
reporting of prior asbestosjobs.

Monoline Pollution Liability

This coverage can be constructed to satisfy most all types of
contractors. It is provided on a claims made basis form and
will respond to pollution incidents caused by a contractor doing
their job at a specified job location. Go to the Contractors
Page, where the program is more defined and the applications
submission checklist and other documentation may be printed
as required.

Consultants

For the Environmental Consultant we offer two basic type policies:

1. Environmental Professional Special Liability (EPL),and
2. Consultant Professional and Pollution Liability (CPPL).

The consultant will select one of these based on:

1) Gross Revenue
2) Scope of Operations
3) Pre-existing coverage's
4) Whether or not they already have a General Liability policy.

The EPL program is a "total exposure" type policy that includes
General and Professional Liability and can be endorse to
provide Contractors Pollution Liability.

The CPPL program provides the Professional and Pollution
Liability coverage and would be chosen by those that already
have their general liability covered.

Property Owners

Property Owners have become increasingly aware of the
need for protection for their exposure created by limits, or
total exclusions, on their standard Property Liability policies in
regard to the release of environmental pollutants. To address
this need, Lohman Insurance offers owners the Site Liability
Environmental Exposures Policy (SLEEP).

The SLEEP program basically offers the property owner
coverage for on-site cleanup when a pollutant is released,
plus cleanup of adjacent sites, provided that these adjacent
sites received their pollution as a result of migration form the
insured's property. The program also offers third party bodily
injure and property damage, plus legal defense cost to the
property owner.

Storage Tanks

The Storage Tank program was developed to provide Pollution
Liability coverage for tanks containing petroleum and petroleum
related products. This policy meets the requirements for the
insured to receive an EPA Certificate of Insurance, provided
they maintain compliance. Coverage is on a claims made
basis. The policy includes legal defense cost , up to $100,000
per incident.

Some Potential Insured Categories:

1. Petroleum Marketers
2. Service Stations
3. Underground Tank Owner/Operators
4. Trucking & Distributing Operations
5. Fuel Distribution Fleet Facilities and Garages

Landfills

Legends offers a multi-faceted program for Commercial
Waste Facilities. It is actually a combination of several distinct
programs that can be tailored to meet the requirements of
about any site/operation. Hazardous Waste sites are not
eligible under our standard program but may be considered
individually. Call us. Coverage is available with or without
Pollution Liability. All coverage's are exclusively on a claims
made basis.

Some Eligible Classes are :

1. Municipal Solid Waste Facilities
2. Composting Centers
3. Construction Debris Landfill.
4. Monofills (none HazMat type)
5. Land Farms (soil treatment)

Note :
Waste Water Treatment and Incineration Facilities are also
insurable but require a Special Application. Contact us for a
detailed explanation.

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