Hill & Kehne, LLC

Who Needs EI
Work with H&K to help your clients understand and protect against risks that arise from:

Properties and Buildings

  • Most properties face some level of environmental exposure that can be mitigated through environmental insurance.  This is especially true of: Landfills, Agricultural Land, Dry Cleaners, Airports, Office Buildings, Brownfields, Storage Facilities, Warehouses, Marinas, Manufacturing Facilities, Car Dealerships, Gas Stations, Bulk Storage, Former Industrial sites, former mining sites, Mothballed Properties.

Brownfield Remediation and Redevelopment

  • There are many ways that EI, especially in combination with a fixed price cleanup can reduce the costs and increase the certainty of remediation and redevelopment projects.

Underground Storage Tanks

  • Insurance can cover underground and above ground storage tanks of petroleum products, waste oil, etc.

Property Transfers/Lender Liability

  • EI can be crafted to cover lenders in when commercial and residential properties are bought and sold, when properties change hands, during refinancing, for donated properties, or inherited properties. EI can cover lender, seller or buyer.

Transportation—Hazardous Waste and Materials

  • Transporters of hazardous waste or hazardous materials often have environmental risk exposure, especially when transporting: contaminated soils, chemicals, asbestos, petroleum products, or chemicals for testing or samples.  Basically, all automobile exposures for which MCS-90 Endorsement is required may be considered for insurance coverage.

Manufacturing Facilities

  • A wide variety of manufacturers, whether they make furniture, textiles, paper, chemicals, herbicides, pesticides, remediation equipment, storage tanks, insulation, face potential environmental risks that can be managed through EI.

Securities with Environmental Liabilities

  • As surety for environmental exposure such as landfill closure bonds, corrective action bonds, Environmental Contractor Performance Bonds, can utilize EI to offset their risks
 
 
Potential Risks
Your clients may face significant environmental liability risk exposures that Environmental Insurance can help mitigate. Potential risks arising from known or unknown pollution conditions, include:
  • Toxic Tort claims
  • Cleanup Required by Regulatory Agencies
  • State Law
  • Federal RCRA Liability for Hazardous Waste
  • Federal  CERCLA  Liability for Hazardous Substance
    • Current owner or operators of a facility
    • Past owners or operators who owned or operated the facility at the time of hazardous substance disposal
    • Persons who arranged for the disposal of a hazardous substance (usually known as generators)
    • Transporters of persons who transported hazardous substances
  • Underground Storage Tanks
    • Financial responsibility requirements
    • Additional coverage for leakage
  • Mold
  • Asbestos or Lead
 


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