Start with an already competitive environmental marketplace.

Next, mix in increased claim activity in certain areas and a significant carrier exit from the U.S./Canada site pollution/ pollution legal liability market; throw in some high-profile news events like the Flint, Mich., water crisis and a steady stream of pipeline leaks; and top it off with an incoming president who spoke during the campaign of gutting the Environmental Protection Agency, and you have what was an … active 2016, to put it mildly.

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