Possible Claims Scenarios
As an agent and broker, it’s important to consider potential pollution insurance claims scenarios for the clients you serve, not covered on their commercial GL policies.
*the provided are only examples to illustrate possible claims scenarios, please refer to your insurance policy for actual terms and conditions.
Our pollution insurance policies provide coverage for both sudden and gradual releases of pollutants, including spills.
Our environmental liability insurance protects against claims for property damage caused by pollution from the insured’s premises.
Hauling hazardous materials? Our policies cover the risks involved, including spills, leaks, and transportation accidents.
Industrial facilities, from assembly plants to warehouses, can face a range of environmental risks. Our coverage helps protect against financial loss.

Cleaning, Restoration, & Trade Contractors
Cleaning, Restoration, and Trade Contractors face a diverse range of risks in their line of work. This includes hidden exposures that may not be apparent at first. As a broker specializing in environmental insurance, ARMR has the knowledge and resources to identify and address these risks proactively.
HVAC Contractors have unique risks, including liability for remediation expenses and property damage. By partnering with ARMR, these contractors can gain access to specialized coverage for these potential risks and protect their business and clients.
Contractors face many potential risks that can arise during the course of their work, including environmental liabilities. Having comprehensive environmental insurance coverage can protect contractors from unexpected costs and provide peace of mind to their clients.
Property, Mold, & Other
Environmental claims can arise from a variety of sources, including property damage, mold, and other unforeseen circumstances. For example, Disneyland was forced to shut down cooling towers due to cases of Legionnaire’s disease, while schools and childcare facilities have had to deal with high levels of lead in their drinking water. Chemical spills and contamination have also been reported at universities and hotels, leading to disruptions and costly clean-up efforts.
Mold is a common and costly problem for schools, colleges, and other facilities. It can lead to expensive clean-up efforts, disrupt classes and operations, and even cause health concerns for students and staff. Identifying and addressing the root cause of mold is crucial for preventing future incidents.
Legionnaire’s disease is a severe form of pneumonia caused by the Legionella bacterium. It can lead to serious health complications, especially for older or immunocompromised individuals. Legionnaire’s outbreaks have been linked to contaminated water systems, such as cooling towers and hot tubs, as seen in the case of Disneyland.
Farms
Farm claims can occur due to various reasons such as waste, manure, and contaminated water. For example, Landshire Foods was involved in a case where their manure contamination caused environmental damage, resulting in a lawsuit. Another similar case is the Wilson Mutual Manure Case, where a farm’s manure runoff caused harm to the surrounding environment and led to legal action.
Industries that deal with livestock and agricultural production are most prone to farm claims. This includes farms, food processing plants, and agricultural factories. These businesses often deal with large amounts of waste and waste management, making them more vulnerable to environmental issues and potential lawsuits.
As expert brokers, we have extensive knowledge and resources to help businesses find the right environmental insurance coverage to protect against potential farm claims. We also provide valuable risk management advice to help companies prevent these claims from occurring in the first place.
Restaurants, Distributors, & Fast Food
Restaurants can prevent chemical spills by properly training their employees on handling and storage of chemicals, having emergency procedures in place, and regularly inspecting equipment for potential leaks.
Distributors should immediately report the spill to proper authorities and follow cleanup procedures as outlined by the manufacturer and local regulations.
A chemical spill at a fast food chain can result in costly cleanup expenses, reputation damage, and potential legal action if the spill causes harm to customers or employees.
Anti-Concurrent Causation Clauses
Anti-concurrent causation clauses are insurance policy provisions that exclude coverage for certain losses that occur due to a combination of covered and uncovered causes. These clauses can be complicated and have different interpretations, so it’s important to fully understand their implications for your business and insurance coverage.
These clauses can have a major impact on your business operations and risk management strategies. If a loss occurs due to a combination of covered and uncovered causes and an anti-concurrent causation clause is in place, your insurance may not provide coverage for the loss. It’s crucial to understand your policy’s specific clauses and how they could affect your business.
It’s important to be aware of these clauses and how they could potentially affect your business. However, they are a common element in many insurance policies and can be negotiated or managed through risk management strategies. It’s important to work with an experienced insurance broker, like ARMR, to ensure your policies provide the coverage your business needs.
Cyber
Improper disposal of medical records can result in sensitive personal information being accessed by unauthorized individuals. This can lead to identity theft, fraudulent activity, and legal consequences for the company responsible for the disposal.
Yes, improper disposal of medical records can lead to insurance claims. For example, if a restoration firm fails to properly destroy wet medical records they collected during a water event, they may be held responsible for any resulting damages or legal action.
By using social media for advertising or reaching out to the public, businesses may unknowingly infringe on trademarks or copyrights, resulting in legal claims. Social media also poses a risk for data breaches and cyber attacks, which can also lead to insurance claims.
Other Claims
Street, road, and paving contractors are often faced with claims related to environmental issues such as water runoff, contamination, and pollution. They may also face claims related to injuries or damages caused by their construction activities.
Yes, real estate owners can be held responsible for any asbestos found on their property, whether they were aware of it or not. They may be held liable for any health hazards and the costs of removing the asbestos.
Real estate owners should consider environmental insurance to protect themselves against potential environmental claims and the associated costs. It can also help them meet any contractual requirements for insurance coverage.