Contractors Quick Links: Asbestos / Demolition / General Lead / Mold / PLL / Restoration Welcome to the Environmental Contractor's page. These programs are by far and away our most successful products. With the in-depth knowledge of the business and our flexibility in tailoring the coverage to contractor's specific needs, we can provide you with the most competitive program available. |
 |
|||
| We have three main Environmental Contractor Programs
available: • Remediation Contractors • Asbestos and Lead Abatement Contractors Liability. • Monoline Contractors Pollution Liability We also have three Supplemental Programs: |
||||
| • Contractor Bonds • Supplemental Auto Liability • Contractor Equipment Liability Some major Policy features for the RAC program are: The General Contractors Pollution and Professional Liability coverage may be combined on one form. • General Liability coverage on an occurrence or claims-made form. • Professional Liability coverage by endorsement. • Primarily Payroll rated (except Monoline) • Very competitive pricing • Monoline Pollution Liability available for most contractors (receipts rated) on a Claims form. Eligible Classes: • Asbestos Abatement • Tank & Pipe Cleaning • Medical & Infectious Waste • Indoor air Quality • Drilling • UST & AST Contacting • PCB Remediation • Lead Abatement • Emergency Response • Wetlands Restoration • Soil Remediation • Liquid Waste Remediation • Hazardous Material Packing • Wetlands Construction Pickup • Others Premium and Limits: Minimum Premium usually start at $5,000 for Asbestos and go up to $10,000 for others. Base Limits of $1,000,000. Excess Limits are available on a project basis. Tell us what you need and we will work it out. Note: Terms, pricing, conditions and coverage's are only offered here as example and are not to be construed as an offer. Our quotation will be specific and make reference to the price, policy exclusions and any endorsements. Return to the Top of the Page |
|
Asbestos Abatement Our Asbestos Abatement Commercial General Liability policy is written on an occurrence form and provides coverage for third party claims for bodily injury and property damage associated with asbestos abatement, encapsulation or enclosure. Insured Profile: Asbestos Abatement Contractor Product Features: • ISO Based Occurrence Commercial General Liability Coverage Form • Contractual Liability coverage • Temporary storage of asbestos materials on-site or at owned locations • Coverage for incidental transportation of remediated asbestos • Blanket or project-specific coverage • Policy can be expanded to include incidental operations such as carpentry, insulation and painting • Lead Abatement Liability can be included • Optional coverage for Mold Remediation Premium and Limits: Minimum Premium at $2,500 Deductible plans starting at $2,500 Limits up to $11 million on a blanket basis, or for individual projects additional capacity available. Submission Requirements: • Environmental Services Application • Resumes from all key personnel • Copies of Asbestos Licenses from all key Personnel Return to the Top of the Page |
|
Demolition In today's insurance marketplace, Demolition Contractors often have trouble getting quotes for their insurance that include general liability exposures along with the environmental exposure or the quotes take forever to acquire because the coverage's come from different sources. This is no longer the way it is. Eidyia Insurance Services is a national broker for this new Demolition Contractor Program. The Demolition Contractor Program includes general liability coverage as well as coverage for environmental exposures such as lead and asbestos in a demolished building. Eidyia Insurance Services has a new Liability Insurance program available for Demolition Contractors with lead and asbestos coverage available. This program is written with an AM Best A Rated carrier that offers policies that include General Liability, Contractors Pollution Liability and Professional Liability (Errors and Omissions). This new program can suit most if not all Demolition Contractors insurance needs. Submission Requirements: • Current Financial's • Work Procedures • Resumes of Key Personnel • Environmental Services Application • Licenses and Training Certifications Demolition Contractors Liability our combined GL, CPL, policy is a multi coverage policy that is designed exclusively for Demolition Contractors. To further enhance the program you can include coverage for Auto or Excess Liability. Minimum Premiums begin at $ 5,000 Deductible plans starting at $ 5,000 Limits up to $ million on a blanket basis or for individual projects. Additional capacity available. General Liability Features: • AM Best A Rated Carrier • Quick turnaround for complete submissions • Blanket Additional Insured where contract required • Waiver of Subrogation where contract required • Primary Wording Compliance where contract required Excess Liability Features: • Defense Outside Limits • No Height Limitations • No Equipment Limitations • Subsidence for Premises Operations Included Automatic Newly Acquired Organization Coverage (if not insured elsewhere) • No Residential Exclusion • No Subcontractors Warranty Return to the Top of the Page |
|
General Contractors Here at Eidyia Insurance Services we do our best to find competitive quotes that pay great commissions, and our General Contractors Liability is no exception. Contractor general liability insurance goes by many different names, but serves the one purpose of providing coverage that fits a specific need. Here are some common types of coverage: General Contractor Insurance: General contractors take the lead on construction projects, making them the prime target should something go wrong. Holding a general contractor liability insurance policy is a critical part of being a responsible party, and is mandatory if they wish to be awarded construction contracts. Subcontractor Insurance: Subcontractor liability insurance is no different than general contractors liability insurance, in that it provides coverage for construction professionals. Subcontractors cannot rely on piggybacking on the general contractor's policy, so they need to have, and are often times contractually required to carry, their own policy. Electrical Contractor Insurance: Electricians are responsible for properly wiring residential and commercial buildings, where the margin of error is slim and the liability potential great. Carrying the right coverage is vital, and a requirement in order to be able to work in this industry. Handyman Insurance: Handymen might not be licensed contractors, but are still responsible for doing all sorts of smaller, residential construction projects. This means their liability exposure can be great, necessitating a handyman insurance policy that provides the liability and property protection they desperately need. Optional Coverage's: Surety Bonds - As a contractor, you are often times required to have a surety bond to ensure you perform, per the contractual requirements. If you fail to perform, then the surety bond provider will make a payout to your client, covering their financial losses up to the bond limit. Return to the Top of the Page |
|
Lead Abatement Lead exposure to workers and habitants from houses painted with lead based paint represent a significant public health hazard in the U.S. Although lead based paint was prohibited in the United States in 1978, a large portion of the national housing was constructed prior to 1978. Health concerns from lead exposure, especially to children, have prompted Federal and State governments to enact several regulations and initiatives designed to reduce, remove and prevent lead exposure. All work in pre-1978 habitational structures requires strict adherence to lead safe work practices, occupant notification, record keeping and sometimes pre/post dust testing as outlined by the Federal Environmental Protection Agency (EPS) and Housing and Urban Development Agency (HUD), Title X of the Housing and Community Development Act, and related Federal and State regulations. Lead exposure can be claimed in a lawsuit, and therefore, all work conducted in pre-1978 structures should be insured. R.R.P. Program: Did you know common renovation activities like sanding, cutting, and demolition can create hazardous lead dust and chips by disturbing lead-based paint, which can be harmful to adults and children. To protect against this risk, on April 22, 2008, the EPA issued a rule requiring the use of lead-safe practices and other actions aimed at preventing lead poisoning. Under the rule, beginning April 22, 2010 the EPA recommends contractors performing renovation, repair, and painting projects that disturb lead-based paint in pre-1978 homes, child care facilities and schools must be certified and follow lead-safe work practices. To become certified, renovation contractors must submit an application and fee payment to the EPA. Product Features: • ISO Based Occurrence Commercial General Liability Coverage Form • Contractual Liability coverage • Temporary storage of lead materials on-site or at owned locations • Coverage for incidental transportation of remediated lead • Blanket or project-specific coverage • Policy can be expanded to include incidental operations such as carpentry, insulation and painting • Asbestos Abatement Liability can be included • Optional coverage for Mold Remediation Premium and Limits: Minimum Premium at $1,500 for R.R.P. Program and $2500 for Lead Abatement Deductible plans starting at $2,500 Limits up to $11 million on a blanket basis, or for individual projects additional capacity available. Submission Requirements: • Environmental Services Application • Resumes from all key personnel • Copies of Lead/Asbestos Licenses or RRP EPA certificates from all key Personnel Return to the Top of the Page |
|
Mold Abatement It has been estimated that over 300,000 lawsuits related to toxic mold have been filed in the United States. Construction contractors have been brought into these cases on the theory that their defective methods or procedures caused water leakage, condensation accumulation or other conditions that contributed to the growth of mold or microbial matter. Most insurance carriers now exclude claims for mold and mildew. Examples of Eligible Abatement/Remediation Classes: • Asbestos Abatement • Drillers (Not Oil & Gas) • Emergency Response • Environmental Remediation • Hazardous Materials Lead Abatement • Liquid Waste Remediation • Medical & Infectious Waste • Mold Remediation • PCB Remediation • Radon Remediation • Soil Remediation • UST/AST Contractors • Waste Brokers • Wetlands Contractors And Many More!! Product Features: • ISO Based Occurrence Commercial General Liability Coverage Form • Contractual Liability coverage • Blanket or project-specific coverage • Contractor's Pollution Liability on Occurrence is available • Optional coverage for Lead/Asbestos Abatement is also available Premium and Limits: Minimum Premium at $2,500 Deductible plans starting at $2,500 Limits up to $11 million on a blanket basis, or for individual projects additional capacity available. Submission Requirements: • Environmental Services Application • Resumes from all key personnel • Copies of Mold Training Certificates from all key Personnel Return to the Top of the Page |
|
Polution Legal Liability Commercial Pollution Legal Liability (Commercial PLL) provides property owners and operators across all industries with coverage for pollution conditions associated with owned/operated properties, disposal sites, contracting operations and transportation exposures. Such coverage is ideal for first-time environmental insurance buyers as this environmental insurance policy tackles numerous exposures with one expansive, cost-sensible solution. Features and Benefits: • Occurrence or Claims-Made Form • Responds to sudden and gradual pollution conditions • Coverage is available for third-party claims for bodily injury, property damage and clean-up costs arising from on-site or off-site pollution conditions • Coverage is available for clean-up costs for first-party on-site discovery of pollution conditions • Defense of third-party claims up to the limit of the policy • Extended retroactive coverage for prior claims-made coverage • Temporary storage of hazardous material on-site or at owned locations • Includes an optional extended reporting period of up to 40 months • Incidental Professional Liability available • Blanket or project-specific coverage available • Prior acts coverage available Preferred Business Classes: • Environmental and General Contractor • Hazardous Waste Contractor • Soil Remediation Contractor • Groundwater Remediation Contractor • Emergency Response Contractor • Above Ground and Underground Storage • Tank Removal Contractor • Superfund Clean-up Contractor • PCB Remediation Contractor • Brownfields Remediation Contractor • Non environmental Contractors including but not limited to Painters, Carpenters, General Contractors and Insulation Contractors Submission Requirements: • Environmental Services Application • Resumes from Key Personnel (SOQ) • Licenses and Training Certifications • Current Financial's going back Two Years • Company Brochure and Web Address • Current Valued Loss Runs Return to the Top of the Page |
|
Restoration Contractors Our HVAC Systems Cleaner Liability (HSCL) policy provides coverage for the unique exposures that are inherent to Duct Cleaners, HVAC Service Firms and HVAC Mold Remediation Companies. HDCL protects against third-party claims resulting from specified professional services rendered by the policyholder. Coverage Highlights: • Commercial General Liability – Occurrence Form • Contractors Pollution Liability – Occurrence or Claims Made Form • Microbiological Decontamination – Claims Made Limits: $1,000,000 (Higher limits available) Minimum Deductible: $10,000 Minimum Premium: $5,000 Terms: • Annual Policy Term • Coverage for microbiological decontamination activities • Professional Liability available for indoor air quality assessment • Retroactive date of policy inception unless evidence of prior coverage can be provided. • No surplus lines taxes Submission Requirements: • Eidyia Environmental Services application • Eidyia Mold supplemental questionnaire • Company Statement of Qualifications, including resumes of key personnel, a detailed description of past project experience, and training certificates for all company personnel. • Company written standard operating procedures (SOP), including an SOP for microbiological decontamination if those services are provided. • Standard company contracts. Contract must state that microbiological growth could reoccur if the source of the moisture is not remedied. • Past two years financial statements • Past five years loss runs • Company specific health and safety program |
|
Return to the Top of the Page |
|
|