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
  • Schools and municipalities 
  • Etc.


Contact your ARMR
HPR 3.0™ Specialist

Any ARMR Producer | 877-735-0800


ARMR HPR 3.0™ 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 3.0™?

  • 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

 Your Best Environmental Insurance Sales Opportunities


Universal exclusions in property and liability insurance policies for pollution, legionella, fungus, mold, bacteria, asbestos, and lead make ARMR HPR™ an essential component of 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 ARMR HPR™ insurance policy at savings of up to 50% of the historical cost of similar insurance.


How to Sell ARMR HPR- 4 Easy Steps

ARMR HPR 3.0™ Vs. EIL 

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 3.0™ is needed to fill the coverage gap from the pollution, fungus, mold, and bacteria exclusion.



Product Details

ARMR HPR 3.0™ 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.


Named Insureds

All Stakeholders

  • 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.

Available Limits

$ 50,000,000 of Liability

Sales Support

ARMR HPR™ Production-Pac

The ARMR HPR™ Production-Pac comes complete with 90 pages of comprehensive sales support material, the official ARMR HPR™ national launch training workbook, a copy of the national launch presentation slides, and much more that you will not find in the training handouts. If that is not enough, the ARMR HPR™ Production-Pac includes a 100-page journal, 2 high quality pens, a zip-up padfolio with a binder, as well as an executive desk organizer!

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Recent Reviews of Webinar

Thank you so much for the webinar. You did a great job explaining.

Vredevoogd-Brummel Risk Management

I wanted to tell you that I found your presentation very educational this morning!

Alltech Restoration

We are pretty excited about the new program

BB Insurance Marketing, Inc.


You guys really are terrific to work with. I feel strongly about this coverage and encourage all my partners and producers to get quotes for their building owners. 

KIG Insurance- Glenn H. Warsh

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