Property Environmental Risk Management (PERM) Insurance

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, category 3 water, legionella, fungi, and mold coverage for indoors within a structure.

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Successful Solution For Commercial Property Owners

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

 

Contact your PERM Specialist

Kari Dybdahl | Vice President

Kari@armr.net | 608-824-3340

PERM 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 PERM?

  • The first and only environmental insurance program that offers broad spectrum bacteria, category 3 water, legionella, fungi, and mold coverage for indoors within a structure. The program includes no cost, integrated, boots on the ground water 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

WHY PERM IS NEEDED

Universal exclusions in property and liability insurance policies for pollution, legionella, fungus, mold, bacteria, category 3 water, asbestos and lead. make PERM an essential component to the insurance programs of property owners. By accessing water intrusion loss control services from a network of certified contractors we are able to offer the PERM insurance policy at savings of up to 50% from the historical cost of similar insurance.

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PERM Vs. EIL 

With minimum premiums starting at $3,500 puts environmental insurance within easy reach of most comLegionellaoperties. PERM is needed to fill the coverage gap from the pollution, fungus, mold, bacteria, and category 3 water exclusion.


Product Details


PERM Combines water intrusion loss prevention with environmental insurance!

Minimum Premium

$3,500 annually 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 PERM policy can be assigned to subsequent owners without additional premium.

Our Services

Call Today

608-824-3340

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