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Beacon Hill Associates, Inc. is a wholesale insurance broker and program administrator, specializing in the placement of environmental insurance and other specialty insurance coverages for agents nationwide.
Beacon Hill Blog
Posts Tagged ‘Products Pollution’
Thursday, December 9th, 2010
As concerns grow about radon exposure and dust from granite countertop installation, it is important to focus on the need for environmental coverage for this class of contractors.
In the last few years, granite has become a fashionable and trendy building material due to its natural beauty, shine, durability, and scratch/heat resistance. Granite is an igneous stone, mainly formed through volcanic material such as magma. It is primarily made of quartz, feldspar, and potassium, and is an extremely hard material that is easier to maintain than marble. Installing granite countertops in homes and offices has created a huge amount of business for granite countertop contractors—the service and installation has become a very lucrative component of the building and remodeling industry. With the prevalence of granite in homes and offices today, there has been some recent concern over the pollution exposures for people working with, and living around, this popular stone.
Measuring and cutting granite takes a great deal of precision and is almost always outsourced to contractors specializing in granite countertop installation. These professionals will take very exact measurements for the countertops and create a template, which is used to cut the stone. As you may imagine, the dust associated with cutting granite is composed of very fine particles that can be extremely hazardous if inhaled into the lungs. When exposed to even low levels of granite dust over a long period of time, there is a potential for different types of serious respiratory illnesses. In addition to countertop contractors having this exposure, many companies will let customers come to their facilities to choose their own slabs of granite for their countertops. Inviting people onto the facility presents an additional pollution liability risk for these companies, since there is usually a large amount of dust on the company premises.
Another exposure concern with granite is the potential for it to emit radon gas into the air. “Radon is a naturally occurring radioactive gas found in soils, rock, and water. It is the largest source of exposure to naturally occurring radiation…The National Academy of Sciences (NAS) concluded after an exhaustive review that radon in indoor air is the second leading cause of lung cancer in the U.S. after cigarette smoking,” as explained on the Environmental Protection Agency website. Although allegations that granite countertops may emit toxic levels of radon are still in question, many government officials suggest that homes and offices test the granite for this exposure.
Contractors providing granite products and installation need to be aware of these risks and take the necessary precautions in order to prevent these health hazards and be protected from environmental insurance claims. A pollution policy would help to reduce the potential for an out-of-pocket claim, and would work to further secure the future success and welfare of companies specializing in granite and their employees.

Tags: Contractors Pollution Liability, Environmental Exposures, Environmental Insurance, Products Pollution Posted in Environmental Insurance Advice | No Comments »
Thursday, May 27th, 2010
The “energy” category of insurance has a broad definition and these clients often require varying types of coverage. Energy clients range from blending & mixing facilities, oil and gas servicing contractors, and refineries, to more alternative energy risks, such as biodiesel facilities and contractors handling windmills and solar-powered services/equipment.
And, while some of these activities are regional, most companies operating in the energy industry span across the country. Here are some of the environmental coverages they often require:
General Liability/Contractors Pollution Liability
Combined General Liability and Contractors Pollution Liability policy that provides coverage for pollution claims arising from an insured’s covered and completed operations.
Products Pollution
Provides liability coverage for bodily injury and property damage to third parties arising out of a manufactured product. This would be especially important for blending/mixing facilities, companies that make solar panels, etc.
Transportation Pollution Liability
Coverage for insureds who need protection for pollution conditions caused by transportation. This coverage can also include loading/unloading should the insured’s cargo create a pollution condition. This would be important for haulers of any placard use, salt water disposal companies, etc.
Excess
Follow form Excess policies provide additional limits, following form over the underlying General Liability, Pollution, and any associated Professional, Employers, and Auto liability.
Although environmental liability insurance is not always required, the Gulf of Mexico oil spill is the perfect example of why it is crucial for energy companies to have adequate coverage. This is a great opportunity to contact your energy clients to make sure they have the right insurance program in place. For more information or to discuss a specific energy account, call us at 1-800-596-2156 or email us.

Tags: Contractors Pollution Liability, Energy Risks, Excess, Products Pollution, Transportation Pollution Liability Posted in Environmental Insurance | No Comments »
Thursday, April 15th, 2010
Owners and operators of manufacturing facilities face a unique set of exposures stemming from the activities that are part of their daily operations, the premises on which the operations are performed, and handling/distributing the products being manufactured. Here are some of the common coverages required to properly insure a manufacturing facility:
General Liability/Site Pollution
Combined GL and Premises Pollution coverage, which provides coverage for both on-site and off-site clean-up, defense costs, and third party bodily injury and property damage claims.
Contractors Pollution Liability (CPL)
Provides coverage for pollution claims arising from an insured’s covered and completed operations.
Products Pollution
Provides liability coverage for bodily injury and property damage to third parties arising out of a manufactured product.
For more information on coverages for manufacturers and claim scenarios relating to them, email us to request this information.

Tags: Contractors Pollution Liability, Environmental Insurance, Manufacturing, Products Pollution, Site Pollution Posted in Environmental Insurance | No Comments »
Tuesday, December 1st, 2009
Most agents are aware of the pollution exposures for their contractor clients and many are becoming familiar with Premises Pollution policies for commercial and industrial facilities. However, Products Pollution for manufacturing risks still appears to be a bit of a mystery.
Products Pollution coverage provides liability coverage for Bodily Injury and Property Damage to third parties arising out of a manufactured product. Pollutant Clean Up may be provided separately or included within the definition of Property Damage. Coverage can be provided by either a stand alone policy or by an endorsement to a CGL form and can be offered with either a Claims Made or Occurrence Trigger, depending upon the market and type of product being insured.
Who Should Buy Products Pollution Coverage?
Basically the market is divided into two camps, one termed “soft products” and the other termed “hard products.” Soft products would encompass blending and manufacturing for industries such as chemical, detergent, petroleum, and fertilizer. Hard products would include manufacturers of drums and barrels, tanks and vessels, pipe, pollution control, and filtration devices. In addition to manufacturers, importers and distributors of either hard or soft products should also consider purchasing this coverage.
Some Examples of Products Pollution Coverage Written by Beacon Hill:
- A firm that rents out large industrial pumps. They do not manufacture the pumps, but they do repair and refurbish the pumps. Products Pollution coverage was provided by endorsement to their GL policy.
- A manufacturer of flexible hoses and couplings used in retail gas stations.
- An importer/distributor of water filters used to clean ponds and small lakes.
- A custom blender of specialized lubricants for the petroleum industry.
Is Products Pollution Coverage Easy to Buy?
While not every environmental carrier is willing to offer Products Pollution coverage, there are a number of carriers who will write it. Obtaining a quote is relatively straight forward with a short questionnaire to be completed and supplemented by the applicable ACORD applications.
Is Products Pollution Coverage Expensive?
This is always the last question from an agent—the short answer is no. This type of coverage is relatively inexpensive, with many minimum premiums offered by some carriers dipping below $10,000. Premiums are rated on revenues and the type of products sold.

Tags: Contractors, Exposures, Products Pollution Posted in Environmental Insurance | No Comments »
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