Casualty

Whether you’re sued for bodily injury, property damage, libel, slander or advertising injury your business is alleged to have caused, our CGL policies are your shield against litigation, defense costs and damage awards that continue to rise.

• CGL limits to $20 million and above
• Excess or umbrella limits to $100 million available (including layered accounts)
• Minimum premium of just $2,500
• Bodily injuries that occur to customers (including injury caused by your products), third parties or visitors to premises
• Personal injury (libel, slander and wrongful eviction) sustained as a result of the actions or negligence of employees
• Property damage caused your business operations or employees
• Advertising injury (copyright infringement)
• Defense costs for suits brought against your business
• Medical expenses to treat anyone injured on your premises or by your products
• Certificate holders as additional insureds
• Employee benefits liability extension
• Forest fire fighting extension included
• Fungi and fungal derivatives coverage extension available
• Hook-lift liability extension available
• Manufacturer’s E&O available
• Product recall coverage available
• Rip and tear extension available
• Abuse coverage available
• Wrap-up liability available to $25 million

Construction

• Commercial Renovation
• General Contractors
• Mechanical contractors
• Millwrights
• Oilfield service
• Subtrades – drywall, electrical, landscaping, painters

Manufacturing and Wholesaling

• Automobile parts
• Chemicals
• Electrical machinery
• Equipment
• Food & Beverage
• Heavy equipment Machinery
• Metal products
• US sales considered (up to 100%)

Hospitality

• Caterers
• Hotels
• Motels
• Restaurants
• Restaurant Chains

We understand contractors need targeted insurance for their broad exposures, without high costs eroding already thin margins. PMU Specialty has multiple options to tailor the best casualty liability policies for contractors of all types. Let PMU Specialty craft the best possible coverages at a price you won’t believe.

• Faulty workmanship sub-limit available
• Pollution sub-limit (can also offer full Pollution / EIL coverage)
• Contractor’s E&O available to select risks
• Limited fungi and fungal derivatives coverage available
• Tenants’ legal Liability
• Employee benefits liability
• Forest fire fighting expenses
• Advertising liability
• Employment practices
• Medical payments
• Non-owned auto
• Minimum premium of just $2,500

• Blasting
• Builders – any size
• Cabinet Makers
• Concrete Pouring/mixing
• Demolition
• Drilling
• Earthworks & Excavations
• Electricians
• Equipment Mechanics
• Fencing
• Forestry
• Gasfitters / HVAC
• Landscaping
• Machinery Operators
• Oil & Gas
• Painters
• Pipeline
• Plumbers
• Power-Line Inspection
• Roofing
• Scaffolders
• Welding

And many more – just ask!

Features

• Limits up to $100 million available. Need more? Just ask.
• Roofers? Snow removal? Hospitality? Additional limits for tough classes are our specialty!
• Worldwide coverage available
• No minimum underlying limits
• We can help fill your liability tower placements at any layer

Coverage Available

• Umbrella Liability (Limits up to $100 million)
• Excess Liability (Limits up to $100 million)
• Can follow-form most underlying CGL wordings
• Minimum Premium of $3,250

• Hospitality, including hotels
• Transportation
• Oil & Gas
• Manufacturing, including food & beverage, tech, heavy equipment, auto parts, and including US and international sales
• Directors & Officers excess limits for public and private companies
• Errors & Omissions excess limits for tech, architects, engineers and consultants

EIL insurance covers accidental pollution your operations cause, and other contamination resulting in environmental damage. EIL policies protect against pollution exposures at your premises, at adjacent third-party premises or at other locations where you conduct business.

Four main products available:

• First-party / premises cover
• Third-party / contractor’s cover
• Storage tank policies (above and below ground)
• Combined general liability and pollution policies

First party and premises cover

We can offer a wide range of pollution coverages your business needs, whatever your business is, including:

• First-party and third-party remediation cover. Triggered by a claim or first party discovery
• Third-party pollution bodily injury and property damage
• Environmental resource damage expenses – including non-pollution events and prevention costs
• Emergency response expenses
• Blanket coverage for transportation and waste disposal activities available to select risks
• Business interruption coverage available to select operations
• Asbestos coverage, including third-party bodily injury and property damage remediation expenses
• Legal defense costs
• Limits up to $50 Million
• Terms up to 5 years
• Minimum premium of $3,500

Contractors Environmental Impairment Liability (third-party)

Covers exposures such as:

• Environmental damage caused by dust, asbestos, mold, and lead to the surrounding air, land or water
• Crop and water polluted by fertilizer spread by a farm contractor
• Pollution to a river caused by a construction contractor hired to build a bridge
• Pollution spillage in transport by a waste disposal contractor hired to collect waste and move it to another location

We offer tailored coverage for:

• Third-party bodily injury, property damage or clean-up of environmental damage arising from a pollution incident
• Statutory clean-up costs
• Pollution incidents from transportation, including statutory clean-up costs
• Blanket time-element site pollution coverage for owned and operated facilities
• Blanket covered operations
• Legal defense costs in addition to the limits and not subject to the deductible
• Emergency response expenses without a sub-limit – no legal liability required
• Blanket additional insureds where required by written contract
• Cover of non-owned disposal sites available
• Limits up to $50 million
• Terms up to 5 years
• Minimum premium of $3,500

Environmental Impairment Liability is particularly important for:

• Apartment complexes
• Contractors of any kind
• Hospitals
• Hotels
• Landfills
• Older residential properties
• Recycling centres
• Restaurants
• Senior care/assisted living facilities
• Service stations
• Shopping centres
• Warehouses