Pollution & Environmental Insurance Articles, Whitepapers, and Resources

EIL Coverage: Action and Reaction

EIL Coverage: Action and Reaction

EIL Coverage: Action and Reaction By: David Dybdahl This article explains the history of the EIL market, the industry concerns ...
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Buy Your Insurance Like a Pro

Buy Your Insurance Like a Pro

Buy Your Insurance Like a Pro By; David Dybdahl You should not send more than one agent into the marketplace, ...
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5 steps to Environmental Impairment Liability

5 steps to Environmental Impairment Liability

5 steps to Environmental Impairment Liability Companies and organizations buy EIL coverage because they hold some kind of environmental risk ...
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5 Ways Adjusters and Contractors Can Stay in Sync

5 Ways Adjusters and Contractors Can Stay in Sync

5 Ways Adjusters and Contractors Can Stay in Sync By: David Dybdahl March 30th, 2010 Clear communication based on reasonable ...
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Ask the Expert: Insurance Check with David Dybdahl

Ask the Expert: Insurance Check with David Dybdahl

Ask the Expert: Insurance Check with David Dybdahl Published on Feb 15, 2016 Are you one of the 90% of ...
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How To Navigate Environmental Insurance For Main Street Clients

How To Navigate Environmental Insurance For Main Street Clients

How to Navigate Environmental Insurance for Main Street Clients BY DAVID DYBDAHL: 23 February 2015 Recent court cases have pushed ...
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Pollution Exclusions Hit the Family Farm

Pollution Exclusions Hit the Family Farm

Pollution Exclusions Hit the Family Farm BY DAVID DYBDAHL: 09 February 2015 2015 will mark the year that brought the ...
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What to Look for in an Environmental Liability Insurance Policy

What to Look for in an Environmental Liability Insurance Policy

What to Look for in an Environmental Liability Insurance Policy By: David Dybdahl: January 11th, 2016 Environmental impairment liability insurance ...
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Users Guide To Environmental Insurance

Users Guide To Environmental Insurance

Users Guide To Environmental Insurance By: David Dybdahl Environmental Insurance Pollution exclusions in general liability, automobile liability, and property insurance ...
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Mind the Gaps: Ensuring your business insurance covers the work you do.

Mind the Gaps: Ensuring your business insurance covers the work you do.

Mind the Gaps By; Kari Dybdahl Ensuring your business insurance covers the work you do. The cleaning and restoration industry ...
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Find the Best Insurance Coverage for Your Cleaning or Restoration Company

Find the Best Insurance Coverage for Your Cleaning or Restoration Company

Find the Best Insurance Coverage for Your Cleaning or Restoration Company Jeff Cross, executive editor of Cleanfax, interviews Kari Dybdahl ...
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An Agents Field Guide To Environmental Insurance

An Agents Field Guide To Environmental Insurance

An Agents Field Guide To Environmental Insurance by: Harrison Scheider https://youtu.be/79NHz1193sA The first vlog episode of our new series: An ...
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HOW TO CAPTURE THE FIRE AND WATER RESTORATION CONTRACTORS THAT ARE PROSPECTING YOUR AGENCY

HOW TO CAPTURE THE FIRE AND WATER RESTORATION CONTRACTORS THAT ARE PROSPECTING YOUR AGENCY

HOW TO CAPTURE THE FIRE AND WATER RESTORATION CONTRACTORS THAT ARE PROSPECTING YOUR AGENCY A Guide For Agents There is ...
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Lenders Guide to Environmental Insurance to Pollution Exclusions

Lenders Guide to Environmental Insurance to Pollution Exclusions

Lenders Guide to Environmental Insurance to Pollution Exclusions By: David Dybdahl Farms need real environmental insurance to fill the coverage ...
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Environmental insurance is not just for hazardous waste contractors!

Environmental insurance is not just for hazardous waste contractors!

Environmental insurance is not just for hazardous waste contractors! Hidden Exposures for Trade Contractors Trade Contractors have pollution exposures that ...
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Environmental Impairment Liability: Why You Need It and Why You Should Keep It

Environmental Impairment Liability: Why You Need It and Why You Should Keep It

Environmental Impairment Liability: Why You Need It and Why You Should Keep It The best way to understand the importance ...
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Why your General Liability policy is NOT a Pollution Policy

Why your General Liability policy is NOT a Pollution Policy

Why your General Liability policy is NOT a Pollution Policy A General Liability (GL) policy will almost always have at ...
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What every adjuster should know about fungi/bacteria exclusions

What every adjuster should know about fungi/bacteria exclusions

What every adjuster should know about fungi/bacteria exclusions Sep 03, 2014 | By David Dybdahl, CPCU, MBA, ARM In response ...
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Insurance shortcomings may leave you exposed to costly environmental liability

Insurance shortcomings may leave you exposed to costly environmental liability

Insurance shortcomings may leave you exposed to costly environmental liability Harrison Scheider: April 18 2017 Ninety-nine percent of farm insurance ...
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Mold Tops Environmental Impairment Policy Claims

Mold Tops Environmental Impairment Policy Claims

Mold Tops Environmental Impairment Policy Claims By: David Dybdahl| June 2017 Today, environmental impairment liability (EIL) claims related to mold ...
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Pollution Overview: Contractors, USTs, Farms, Other

Pollution Overview: Contractors, USTs, Farms, Other

Pollution Overview: Contractors, USTs, Farms, Other By: Kari A. Dybdahl | Executive Vice President / Director of Operations | ARMR.Net, ...
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The Good, the Bad and the Ugly of Insurance Claims

The Good, the Bad and the Ugly of Insurance Claims

The Good, the Bad and the Ugly of Insurance Claims By; Kari Dybdahl Check out these real-life case studies and ...
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CAT Claims: Financial Ruin or Financial Success

CAT Claims: Financial Ruin or Financial Success

CAT Claims: Financial Ruin or Financial Success Understanding what is covered, what is not, and how to fill the insurance ...
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Plugging the Holes: A look at traps in your company’s insurance policy

Plugging the Holes: A look at traps in your company’s insurance policy

Plugging the Holes: A look at traps in your company’s insurance policy By: Kari Dybdahl The good news is there ...
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Avoid Common Mistakes That Lead to Uninsured Environmental Loss

Avoid Common Mistakes That Lead to Uninsured Environmental Loss

Avoid Common Mistakes That Lead to Uninsured Environmental Loss By; David Dybdahl It is time to pay attention to the ...
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Introducing the Property Environmental Risk Management (PERM) Program for Commercial Properties

Introducing the Property Environmental Risk Management (PERM) Program for Commercial Properties

Introducing the Property Environmental Risk Management (PERM) Program for Commercial Properties By: Kari Dybdahl Introducing the Property Environmental Risk Management ...
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Get Paid Faster on Insurance Restoration Jobs

Get Paid Faster on Insurance Restoration Jobs

Get Paid Faster on Insurance Restoration Jobs David J. Dybdahl The largest home lenders and homeowner’s insurance companies in the ...
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Environmental Risks and Insurance: Looking Back and Forward

Environmental Risks and Insurance: Looking Back and Forward

Environmental Risks and Insurance: Looking Back and Forward There were more changes in environmental risks and in the environmental insurance ...
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A $20K Vase Broken: Where is Your Insurance Coverage?

A $20K Vase Broken: Where is Your Insurance Coverage?

A $20K Vase Broken: Where is Your Insurance Coverage? The Insurance 101 version of insuring damage to the property of ...
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Changing Environmental Insurers: Use Caution

Changing Environmental Insurers: Use Caution

Changing Environmental Insurers: Use Caution By: David Dybdahl There is a game of reverse musical chairs going on in the ...
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Modern Marketing to Insurance Agencies

Modern Marketing to Insurance Agencies

Modern Marketing to Insurance Agencies David J. Dybdahl Every restoration contractor seems to know an insurance agency can be a ...
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Insurance for Work Truck Accidents

Insurance for Work Truck Accidents

Insurance for Work Truck Accidents by Kari Dybdahl What kind of coverage does a carpet cleaner need when an auto ...
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Contractors Pollution Liability insurance and you

Contractors Pollution Liability insurance and you

Contractors Pollution Liability insurance and you By: Kari Dybdahl Why every industry professional needs environmental insurance. Most Cleanfax readers have ...
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A Big Picture on Environmental Insurance

A Big Picture on Environmental Insurance

A Big Picture on Environmental Insurance By: David Dybdahl Environmental insurance products have been in abundant supply since 1975 but ...
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Knowing The Risks & Reaping The Rewards Of Biohazard Cleanup

Knowing The Risks & Reaping The Rewards Of Biohazard Cleanup

Knowing the Risks & Reaping the Rewards of Biohazard Cleanup David J. Dybdahl | Kari Dybdahl July 6, 2016 Restoration ...
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Specialized Environmental Coverage Tools a Must for Today’s Farm Operations

Specialized Environmental Coverage Tools a Must for Today’s Farm Operations

Specialized Environmental Coverage Tools a Must for Today’s Farm By: Harrison Scheider Recent court and regulatory actions across the country ...
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Working with Restoration Networks

Working with Restoration Networks

Working with Restoration Networks David J. Dybdahl If you have read my columns in R&R over the years, you know ...
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Lower Insurance Costs By Working With Restoration Networks

Lower Insurance Costs By Working With Restoration Networks

Lower Insurance Costs by Working with Restoration Networks David J. Dybdahl I am a big fan of the restoration networks ...
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Environmental insurance activity is on the rise

Environmental insurance activity is on the rise

Environmental insurance activity is on the rise Just in the last six weeks, David Dybdahl has been called to testify ...
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8 Environmental Coverage Mistakes—and How to Avoid Them

8 Environmental Coverage Mistakes—and How to Avoid Them

8 Environmental Coverage Mistakes—and How to Avoid Them by David Dybdahl The No. 1 coverage flaw for contamination risks is ...
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The Best Risk Management Tool For Mold Remediation

The Best Risk Management Tool For Mold Remediation

The Best Risk Management Tool for Mold Remediation New version of ANSI/IICRC S520 now available David J. Dybdahl Did you ...
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Insurance Coverage for Losses Arising from the Ebola Virus

Insurance Coverage for Losses Arising from the Ebola Virus

Insurance Coverage for Losses Arising from the Ebola Virus By: David Dybdahl With focus on the Ebola virus recently, I ...
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Expanding Environmental Risks in Credit Positions

Expanding Environmental Risks in Credit Positions

Expanding Environmental Risks in Credit Positions By: David Dybdahl Decemeber1st, 2015 Through a convergence of risk factors, more commercial borrowers ...
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The Bright Future of Roofing Restoration

The Bright Future of Roofing Restoration

The Bright Future of Roofing Restoration David J. Dybdahl Climate change is upon us and that is going to be ...
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Environmental Insurance: Just the Facts

Environmental Insurance: Just the Facts

Environmental Insurance: Just the Facts The purpose of an environmental insurance policy is to fill the insurance coverage gaps created ...
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A User's Guide to Pollution Exclusions and Environmental Insurance

A User’s Guide to Pollution Exclusions and Environmental Insurance

A User's Guide to Pollution Exclusions and Environmental Insurance By: David Dybdahl Pollution exclusions are far-reaching and include much more ...
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Part Two: Fixing Gaps In Your Liability Insurance Policies

Part Two: Fixing Gaps In Your Liability Insurance Policies

Part Two: Fixing Gaps in Your Liability Insurance Policies 9 out of 10 restoration companies have policies with a fatal ...
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Avoiding Common Insurance Certificate Errors

Avoiding Common Insurance Certificate Errors

Avoiding Common Insurance Certificate Errors By David Dybdahl The only way to avoid the insurance certificate trap is for all ...
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Part One: Fixing Gaps In Your Liability Insurance Policies

Part One: Fixing Gaps In Your Liability Insurance Policies

Part One: Fixing Gaps in Your Liability Insurance Policies 9 out of 10 restoration companies have policies with a fatal ...
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Managing The Risks Of Disinfectants

Managing The Risks Of Disinfectants

Managing the Risks of Disinfectants David J. Dybdahl A lot of restoration firms have their roots in the cleaning business ...
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State Supreme Court Changes the Game on Pollution Exclusions and Environmental Insurance

State Supreme Court Changes the Game on Pollution Exclusions and Environmental Insurance

State Supreme Court Changes the Game on Pollution Exclusions and Environmental Insurance By David Dybdahl A couple of litigated insurance ...
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How To Get Paid When Lenders Are Loss Payees

How To Get Paid When Lenders Are Loss Payees

How to Get Paid When Lenders Are Loss Payees David J. Dybdahl Over the years, I have had the same ...
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How Much Do You Know About Pollution Exclusions?

How Much Do You Know About Pollution Exclusions?

How Much Do You Know About Pollution Exclusions? If you’re like most independent agents, very little. And whether or not ...
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Insuring Bio-Remediation Work

Insuring Bio-Remediation Work

Insuring Bio-Remediation Work David J. Dybdahl The Ebola virus is the latest threat that bio-remediation professionals will have to combat ...
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How To Sell Environmental Insurance Coverage The Secrets of the Trade

How To Sell Environmental Insurance Coverage The Secrets of the Trade

How To Sell Environmental Insurance Coverage The Secrets of the Trade By: David Dybdahl There is a secret trick that ...
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Roof Repair Leads To $1 Million Mold Claim: An Insurance Claim Case Study

Roof Repair Leads To $1 Million Mold Claim: An Insurance Claim Case Study

Roof Repair Leads to $1 Million Mold Claim: An Insurance Claim Case Study David J. Dybdahl Virtually any job that ...
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The Super Bright Future Of Restoration Contracting

The Super Bright Future Of Restoration Contracting

The Super Bright Future of Restoration Contracting David J. Dybdahl Climate change, the politically correct term for “global warming,” is ...
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Revealing the Dark Secrets of Category 3 Water Exclusions

Revealing the Dark Secrets of Category 3 Water Exclusions

Revealing the Dark Secrets of Category 3 Water Exclusions By David Dybdahl Category 3 water is classified Category 3 because ...
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What Every Adjuster Should Know About Fungi/Bacteria Exclusions

What Every Adjuster Should Know About Fungi/Bacteria Exclusions

What Every Adjuster Should Know About Fungi/Bacteria Exclusions In response to an explosion of “toxic mold” claims at the turn ...
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Contractors Environmental Liability Insurance: Claims-Made versus Occurrence

Contractors Environmental Liability Insurance: Claims-Made versus Occurrence

Contractors Environmental Liability Insurance: Claims-Made versus Occurrence By: David Dybdahl Confusion over the mythical automatic completed operations coverage provided under ...
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Common Myths about Contractors Environmental Insurance

Common Myths about Contractors Environmental Insurance

Common Myths about Contractors Environmental Insurance By: David Dybdahl There are persistent myths surrounding completed operations coverage and extended discovery ...
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Having Trouble Getting Paid For Category 3 Water Jobs? Part II

Having Trouble Getting Paid For Category 3 Water Jobs? Part II

Having Trouble Getting Paid For Category 3 Water Jobs? Part II David J. Dybdahl So how can it be that ...
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Rational CPL Insurance Specifications

Rational CPL Insurance Specifications

Rational CPL Insurance Specifications By David Dybdahl In a milestone move, contractors pollution liability (CPL) insurance is now specified in ...
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Having Trouble Getting Paid For Category 3 Water Jobs?

Having Trouble Getting Paid For Category 3 Water Jobs?

Having Trouble Getting Paid For Category 3 Water Jobs? Play the “Risk Management Card” David J. Dybdahl As I sat ...
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Why Every Restoration Firm Needs Professional Liability Insurance

Why Every Restoration Firm Needs Professional Liability Insurance

Why Every Restoration Firm Needs Professional Liability Insurance David J. Dybdahl Most restoration contractors have glaring coverage gaps in their ...
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Contractual Risk Transfer for Contamination Risks

Contractual Risk Transfer for Contamination Risks

Contractual Risk Transfer for Contamination Risks By David Dybdahl The continuously expanding scope of exclusions related to various contaminants can ...
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Beware! Your Category 3 Water Jobs Are Likely Uninsured

Beware! Your Category 3 Water Jobs Are Likely Uninsured

Beware! Your Category 3 Water Jobs Are Likely Uninsured Give this article to your insurance agent and tell them that ...
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A Two-Step Solution to Managing the Risk of Subcontractors

A Two-Step Solution to Managing the Risk of Subcontractors

A Two-Step Solution to Managing the Risk of Subcontractors By: David Dybdahl Restoration firms need specify and verify that the ...
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Bailees Insurance: What Every Restoration Firm Needs to Know

Bailees Insurance: What Every Restoration Firm Needs to Know

Bailees Insurance: What Every Restoration Firm Needs to Know By: David Dybdahl Bailees insurance coverage is needed by any restoration ...
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A Cleaning/Restoration Contractor’s Insurance Needs: Debunking the Urban Myths

A Cleaning/Restoration Contractor’s Insurance Needs: Debunking the Urban Myths

A Cleaning/Restoration Contractor’s Insurance Needs: Debunking the Urban Myths By: David Dybdahl The coverage provided in the standard insurance policies ...
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Are You Feeling Lucky?

Are You Feeling Lucky?

Are You Feeling Lucky? By: David Dybdahl Plumber subcontractors, drying category 3 water, lead abatement, mold abatement, and asbestos abatement ...
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A Perfect Insurance Storm is Brewing: Brace for a Wild Ride

A Perfect Insurance Storm is Brewing: Brace for a Wild Ride

A Perfect Insurance Storm is Brewing: Brace for a Wild Ride By; David Dybdahl Two long-term market leaders in restoration ...
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Dirt Is a Pollutant! Water Is, Too … How to Create Clarity in Environmental Insurance Coverage and Lower the Cost of Environmental Risks

Dirt Is a Pollutant! Water Is, Too … How to Create Clarity in Environmental Insurance Coverage and Lower the Cost of Environmental Risks

Dirt Is a Pollutant! Water Is, Too … How to Create Clarity in Environmental Insurance Coverage and Lower the Cost ...
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A WAKE UP CALL TO LENDERS INSURANCE REQUIREMENTS – DO IT RIGHT, OR NOT AT ALL

A WAKE UP CALL TO LENDERS INSURANCE REQUIREMENTS – DO IT RIGHT, OR NOT AT ALL

A WAKE UP CALL TO LENDERS INSURANCE REQUIREMENTS DO IT RIGHT, OR NOT AT ALL David Dybdahl, February 4, 2011 ...
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Chinese Drywall: Unprecedented Growth and Risk for Restorers

Chinese Drywall: Unprecedented Growth and Risk for Restorers

Chinese Drywall: Unprecedented Growth and Risk for Restorers By: David Dybdahl Chinese drywall remediation is becoming one of the largest ...
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A User’s Guide to Real Environmental Insurance

A User’s Guide to Real Environmental Insurance

A User’s Guide to Real Environmental Insurance By: David Dybdahl The five basic types of real environmental insurance are site-specific ...
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On the Lookout for Insurance Exclusions

On the Lookout for Insurance Exclusions

On the Lookout for Mold Insurance Exclusions By: David Dybdahl in www.scotsmanguide.com With green building on the rise, risks from ...
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A Guide to CPL Insurance

A Guide to CPL Insurance

A Guide to CPL Insurance By: David Dybdahl | September 2006 | www.icsmag.com Exclusions are abundant in general liability policies ...
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How Lenders Were Left Unsecured For Mold-Relater Losses On Commercial Loans And to Fix the Problem

How Lenders Were Left Unsecured For Mold-Relater Losses On Commercial Loans And to Fix the Problem

How Lenders Were Left Unsecured For Mold-Relater Losses On Commercial Loans And How to Fix the Problem By: Paul Duggan ...
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The Risk Advisor’s Survival Guide to Mold Exclusions

The Risk Advisor’s Survival Guide to Mold Exclusions

The Risk Advisor’s Survival Guide to Mold Exclusions By: David Dybdahl To avoid becoming the insurer of last resort for ...
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The Superfund reform sweepstakes

The Superfund reform sweepstakes

The Superfund reform sweepstakes Dybdahl, David J; Taylor, Rodney J. Risk Management; New York41.9 (Sep 1994): 12 ...
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Read commentary by expert David Dybdahl and others on the uses, demands, needs, and expanding market as well as claims issues related to environmental insurance. Topics include:

 

Abatement

Above Ground Storage Tanks

ABRA

Absolute pollution Exclusion

Account Executive/ Customer Service Representative Position

Alacrity

Alacrity Insurance Specifications

Alternative Energy

Anti-Concurrent Causation Clauses

ARMR.Network, LLC

ARMR

Asbestos, Lead and Other Hazardous Materials,

ASTs

bacteria,

Bailee’s

bailment,

Berkley MGA

Berkley specialty underwriting managers

BIG I

Biodiesel

Biological Contaminants

BOP

BRAC

Brownfield Redevelopment Act

Brownfields

BSUM

Business Owners Policy

C&R Magazine

Category 3 water

CEL Contractor Environmental Liability

CERLCA

Claims scenarios

Cleaning and Restoration Contractors

Climate Change

Closure Post Closure

Combined form

Commercial Lender Insurance

Connection Contractor

consulting,

Contaminated Drywall Insurance,

Contaminated Properties

Contamination

Contractors Insurance

Contractors pollution Liability,

Convenient Store Insurance

CPL

Crawford

Crawford Insurance Specifications

CRDN

Crime Scene Cleanup

Dealership and Repair Shop Insurance

Demolition

Diamond

Disinfection

Disposal Sites

DKI

Dredging

Dry Cleaners Insurance

E coli

EIL

Energy Consultants

Energy Contractors

Environmental Compliance

Environmental Consultants

Environmental Consulting

Environmental Due Diligence

Environmental Engineering

Environmental Errors & Omissions

Environmental Impairment Liability

Environmental Indemnity

Environmental Insurance Brokers

Environmental Insurance for Commercial Properties

Environmental Insurance,

Environmental Land Management

Environmental Law

Environmental Legal Liability

Environmental Loss exposures

Environmental Protection Agency

Environmental Regulations

Environmental Underwriting

Environmental Warranty Insurance

Errors & Omissions

Ethanol

Excavation

Excess Liability

Experience

Expert Witness,

Fire and Water Damage Insurance,

Fire and Water Restoration Contractor

Fire/water/accident/disaster restoration contracting and consulting

Fixed Based Operators

Fracking

Fuel Additives

fungi,

General Liability Insurance

GL

GL/CPL

Global Warming

Gradual Pollution

Groundwater Contamination

Guide to Environmental Insurance

Hazardous Waste

Hazardous Waste Haulers

Hazmat

Herbicide Applicators

IAQ

ICRA

IICRC

IICRC 2520

Indoor Air Quality

Indoor Environmental Risks

Industrial Cleaning and Restoration

Inland Marine

Landfills

Lawn Care

Lead

Legionella

lenders,

liability insurance,

Managing General Agent

Managing Mold Problems

Mergers and Acquisitions

MERSA

Metal Recyclers

MGA

Mining

Mold

Mold Insurance,

Mold Losses

Mold Mitigation

Mold related losses

Mold Risk Management

Municipalities Environmental Insurance for Municipalities

NODs

Non owner disposal Site

Non-Owned Disposal Sites

Oil & Gas

PCB

PDR Insurance Specifications

PERM

Pesticide Applicators

Phase I

Phase II

PL

PL

Plumbers Insurance

Pollution Exclusions

Pollution Insurance,

Pollution Legal Liability

PPL

Premier Environmental Insurance

Products for Contaminated Drywall

Products Pollution

Professional Liability,

Property Environmental Risk Management

Property owners,

Property Transfers

R&R Magazine

Rainbow International

RCRA

Real Estate Environmental Liability

Recyclers

Recycling

Remediation

Remediation Contractor’s Insurance

Remediation Legal Liability

Restoration

Restoration Contractors,

RIA

Risk Management

Site Environmental Liability

Site Pollution Liability

Society of Environmental Insurance Professionals

Soil Contamination

Solar contractors and consultants

SPL

stake holders,

Storage Tank Insurance

Successor Liability

Sudden and Accidental Pollution

Tank Installation Insurance

The Experience

Time Element Pollution

Total Pollution Exclusion

TPL

Transportation Pollution

Transportation Pollution Liability

Umbrella

Underground Storage tank insurance

Underwriting

USTs

Vac Truck operations

Vapor Intrusion

Waste brokering

Waste haulers

Waste management consulting

Waste water

Water Intrusion

Wetlands

Wholesale Brokers,