| Since 1989, Environmental Insurance Services has
been providing coverages for insureds with any kind
of environmental exposure on a nationwide basis. Environmental Insurance Services
was founded with three basic goals in mind:
- First, the dynamic nature of environmental regulations,
technology and coverages available to cover insureds'
risks dictates a full-time commitment to keeping
up with the ever-changing relationships between
these three variables.
- Second, to properly serve our clients, we decided
it was necessary to be a one-stop shopping center
for any environmental exposure. Clients can come
to Environmental Insurance Services and know they can obtain a quote from all
markets wiling to consider a given risk.
- Third, we dedicated ourselves to providing expertise
and service that would be unrivaled by any other
firm.
To fulfill these goals, Environmental Insurance Services has sought
and attracted professionals with experience in environmental
consulting and commercial insurance. As a group we do
not necessarily want to be the biggest, we want only
to be recognized as the best at what we do. How well
we are achieving our aim can be measured by our high
renewal retention, the positive feedback from our clients,
and, of course, by the large number of referrals we
get from our clients and the companies with whom we
do business. This is the result of years of effort to
build relationships with clients and insurance companies,
based on mutual benefit, and above all, trust and integrity.
We at Environmental Insurance Services want to use our expertise to solve your environmental
risk transfer problems.
Determining Your Environmental Insurance
Needs Can Be Complex, and Obtaining Coverage Can Be
Difficult.
At Environmental Insurance Services, we know that the regulatory
and technological climate is constantly changing, making
it difficult for most companies to determine the amount
and type of coverage they need. Properly defining the
risk associated with a given operation is crucial in
assessing insurance needs, and vital in anticipating
the changes that may be necessary to stay in step with
regulatory requirements. Pollution-related losses have
made underwriters leery about writing pollution-related
accounts. In fact, many submissions presented never
receive a quote due to insufficient information and
improper presentation.
Environmental Insurance Services Has The Tools To Tackle These
Problems
We have developed a database of state
and federal regulations pertaining to the environment,
as well as data on those who have been identified as
generators or haulers of hazardous wastes, or those
who treat, store or dispose of such wastes. We use our
technological database to enhance our understanding
of an individual risk and its activities. Finally, we
utilize a comprehensive knowledge network composed of
individuals in the legal profession, governmental agencies,
and the insurance and environmental industries. At Environmental Insurance Services,
we do not have all the answers, but we know who can
provide them.
The Environmental Insurance Services Approach Is More Like That
Of An Investment Banker
Since each environmental risk is unique,
handling them requires a special approach. Success in
investment banking requires the ability to identify
and quantify the key variables related to a specific
business. This means being able to absorb large amounts
of data and distill it down to those factors most relevant
to presenting the client's case. An application for
insurance is only the beginning of the process necessary
to obtain optimum coverage in the most cost-effective
manner. We attempt to anticipate all the underwriter's
questions and answer them up-front. This accomplishes
several objectives. First, the fewer questions an underwriter
has, the more favorable he tends to view a risk. Second,
by shortening the time an underwriter needs to process
an application, we speed up turn-around time. Third,
by having thoroughly understood the merits of a particular
risk, we are in a position to make positive input to
the underwriting process.
Environmental Insurance Services Solutions Work
We are successful in efforts to help
those wanting to assess their environmental risk, eliminate
coverage gaps or duplications, or obtain environmental
coverage because we focus only on environmental risk.
All our efforts are directed at improving our knowledge
and expertise in this area. Sometimes our solutions
involve risk transfer alternatives that do not require
insurance. It is solutions we provide first and foremost,
insurance is just another alternative. We are in daily
contact with the markets that provide these coverages
and this often helps give our clients some extra leverage
they might not obtain from an individual or company
who does not have a full-time commitment to environmental
coverages. Our thorough knowledge of an account as well
as a daily working relationship with the appropriate
underwriters allows us to deliver our clients the best
products at the best price .
It is our belief that a pro-active,
not passive, approach to environmental problems, be
they regulatory, technological or insurance, is the
best means to long-term success. Our energy, enthusiasm
and positive attitude are the final ingredients that
help us to provide our clients with timely and creative
solutions.
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