XL unveils environmental policy for airports' fixed-base operators
XL Insurance, the global insurance operations of XL Capital Ltd., unveiled a pollution insurance program designed to address environmental exposures of fixed-base operators (FBOs) and other aviation services at the nation's airports. FBOs provide airlines and airport visitors with aircraft refueling, de-icing, flight training, aircraft parking and ground services such as baggage handling, lavatory cleaning and aircraft cleaning.

XL Insurance's pollution and remediation legal liability policy offers coverage for loss, remediation expense and legal defense from covered airport locations, protection for contractors liability and coverage for storage tanks in a single policy form. The insurer's environmental risk control and claims administration services are also available to FBO clients and include assistance with emergency-response planning, fleet-safety assistance and access to the carrier's specialized claims assistance.
For more information, visit www.xlinsurance.com. Travelers offers coverage for underground utility contractors
Travelers announced its construction unit is offering coverage to a wider range of underground utility contractors. Liability coverage includes “Damage to Property Endorsement-Limited Coverage for Certain Underground Property” for the primary general liability policy; an electronic data liability endorsement, which protects contractors for damages related to loss of data arising from a utility line being hit; and coverage for contractors who work on pipelines, including natural gas and petroleum transmission lines.
The insurer offers underground utility contractors the following value-added programs:
–Excavation, trenching and work zone safety academy.
–Industrial hygiene laboratory services.
–Crisis-management services.
–Rapid-response catastrophe claim services.
For more information, e-mail Janice DiLuciano at [email protected] or visit www.travelers.com.

Fireman's Fund launches coverage for senior-living facilities
Fireman's Fund Insurance Co. announced Property-Gard, a product that protects residents, guests, property and income streams of senior-care facilities.
The product addresses such risks as contaminated food, communicable diseases, emergency vacating, property of residents and medical staff, employee theft, lost keys and mobile medical equipment. The policy also offers:
–Crisis-management coverage to protect the reputation of senior-care facilities.
–General and professional liability on an occurrence basis.
–Prior acts coverage.
–Coverage for sexual misconduct and physical abuse vicarious liability.
For more information, visit www.firemansfund.com.

American Safety increases limits on excess casualty product
American Safety Insurance Services Inc. is offering increased limits of $10 million on its excess casualty product. The insurer offers umbrella and excess liability coverage over both its own and other carriers' general liability policies on both a claims-made and occurrence basis. Eligible classes of business include residential and commercial contractors; industrial, commercial, consumer and non-invasive medical products manufacturers and distributors; and real estate risks.
Premiums begin at $1,000 for low- to medium-hazard risks and $1,500 for high-hazard risks, subject to overall policy minimums of $2,500 and $7,500, respectively. This product is offered in most states on nonadmitted paper, rated A VIII by A.M. Best.
For more information, contact Jackie McLaughlin at (732) 671-5837 or Pat Hindle at (212) 744-0979.
K&K Group enhances fitness, dance instructor program
K&K Insurance Group announced several enhancements to its fitness instructor program, designed specifically for instructors and trainers working as independent contractors and available in all states. In addition to lowering rates by up to 28%, the company added discounts for instructors who purchase the two-year coverage option. There are no membership requirements, and coverage is available for both certified and non-certified fitness professionals.
Eligible instructor activities include aerobics, aquatic exercise, boot camp, cardio kickboxing, children's fitness, dance, exercise, gyrotonic outdoor fitness, personal training, pilates, spinning, strength, tai chi and yoga. Coverages include liability for bodily injury and property damage arising out of premises, operations, products and completed operations, personal and advertising injury, legal liability to participants, and professional liability arising out of the instructor's activities. Coverage options of $500,000, $1 million and $2 million are available.
For more information, visit www.kandkinsurance.com.