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A $3M southeastern soil remediation/scrap metal recycler specializes in remediating and transporting contaminated soil, treating/burning the contaminants, and selling the treated soil to construction companies for reuse. They also remove underground storage tanks and recycle the steel once it is properly remediated and treated.

The insured currently has a package General Liability/Contractors Pollution policy, but the Contractors Pollution is limited to jobsite coverage only. Additionally, hauling the soil back to their owned processing center is not covered, and their General Liability policy does not include Products Pollution coverage for the reselling/reuse of the soil intended as infill dirt for other projects. By carefully reviewing the current insurance program and identifying the areas still needing coverage, we have helped the agent rework the account so that the client now has sufficient protection in the event of a claim when handling, transporting, storing, or distributing the soil. The new policy(s) will include General Liability/Contractors Pollution Liability, Transportation Pollution Liability, Products Pollution, and Site Pollution. In addition, the insured will secure a $4 million Excess policy and Auto coverage with Broadened Pollution endorsement and MCS90.

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