PERM Vs. EIL
With minimum premiums starting at $3,500 puts environmental insurance within easy reach of most commercial properties. PERM is needed to fill the coverage gap from the pollution, fungus, mold, bacteria, and category 3 water exclusion
PERM Combines water intrusion loss prevention with environmental insurance!
Available Limits of Liability up to $50,000,000
Minimum Premium Starting at: $3,500 annually including coverage for legionella/fungus/mold and other microbial matter.
Policy Term 1 to 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.
ContAct your perm team
Kari@armr.net | 608-824-3341
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.
PERM is a risk management protocol specifically designed to address the environmental risks of commercial and residential property owners and developers at affordable rates. 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.
- Public Building
- Office Complexes
- Shopping Centers
- 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:
Loss of Occupancy
Underground Storage tank with financial responsibility if needed