Insurance Program 

Finally an AFFORDABLE environmental insurance option for commercial property owners!

Specially designed and priced environmental insurance policy to fill the gaps of coverage in property and liability policies. The first and only environmental insurance program that offers broad spectrum bacteria, legionella, fungi, and mold coverage for indoors within a structure.


Successful Solution For Commercial Property Owners

  • Apartments
  • Condos
  • Public Building
  • Office Complexes
  • Shopping Centers
  • Etc.


Contact your ARMR HPR™ Specialist

Kari Dybdahl | Director of Operations | 608-824-3340

ARMR HPR™ is a risk management protocol specifically designed to address the environmental risks of commercial and residential property owners and developers at affordable rates.

What Is ARMR HPR™?

  • The first and only environmental insurance program that offers broad spectrum bacteria, Legionella, fungi, and mold coverage for indoors within a structure. The program includes no cost, integrated, boots on the groundwater intrusion loss control plans for the site(s)
  • Includes coverage for bodily injury and property damage caused by lead or asbestos
  • Lower premiums than market pollution policies
  • Coverages also included:
    -Transportation Pollution liability
    -Non-Owned Disposal Site liability Coverage
  • Available for additional Premium:
    -Business interruption
    -Loss of Occupancy
    -Underground Storage tank with financial responsibility if needed


Universal exclusions in property and liability insurance policies for pollution, legionella, fungus, mold, bacteria, asbestos, and lead make ARMR HPR™ an essential component to the insurance programs of property owners. By accessing water intrusion loss control services from a ne twork of certified contractors we are able to offer the ARMR HPR™ insurance policy at savings of up to 50% from the historical cost of similar insurance.



With minimum premiums starting at $7,500 for a 3-year policy term puts environmental insurance within easy reach of most commercial properties. ARMR HPR™ is needed to fill the coverage gap from the pollution, fungus, mold, and bacteria exclusion.

Product Details

ARMR HPR™ Combines water intrusion loss prevention with environmental insurance!

Minimum Premium

$7,500 multi-year policy term including coverage for legionella/fungus/mold and other microbial matter.

Available Limits of Liability

 up to $50,000,000

     Policy Term

1 – 10 years

All Stakeholders as Named Insureds

Developer, Owner, Lender as Loss Payee and Future Buyers of the Property (including the Homeowners Association when applicable) The ARMR HPR policy can be assigned to subsequent owners without additional premium.

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