Casualty

In today’s world, litigation is on the rise. If you are sued for bodily injury, personal injury – libel or slander, advertising injury or property damage as a result of business operations; CGL policies safeguard against a broad range of liabilities also provide coverage for the cost to defend and settle claims.

• CGL limits $ 1 million – $10 million
• EXCESS Limits $2 million – $20 million
• Minimum Premiums: Begin at $2,500
• Bodily injuries that occur to customers, employees, vendors or visitors to premises
• Personal injuries sustained as a result of the actions or negligence of employees
• Property damage caused by employees
• Occupiers and operations liability
• Products liability
• Advertising injury (damage from slander or false advertising)
• Defense costs legal expenses for liability claims brought against your business, regardless of who is at fault
• Medical expenses – Provides coverage for medical expenses if someone is injured on your premises or by your products

Construction

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

Manufuacturing

• Automobile
• Automobile parts
• Chemicals
• Electrical machinery
• Equipment
• Supplies Food & Beverage
• Metal products
• Heavy equipment Machine option

Hospitality

• Caterers
• Hotels
• Motels
• Restaurants
• Restaurant Chains

We understand that contractors require targeted business insurance which offers both value for money and optimal cover. With that in mind, PMU Specialty has access to multiple carriers who specialize in CGL for Contractors insurance. This means that you don’t need to waste your time sending out to dozens of markets. Let PMU Specialty do the work for you and find the best possible coverages and pricing.

• Tenants Legal Liability limit: $250,000
• E & O sub-limit: case by case basis only
• F workmanship sub-limit
• Pollution sub-limit
• For most CGL & Pollution & based risks, we can offer primary limits of $5 million
• Limited fungi & derivatives
• Products recall expenses: case by case basis only
• Employee benefits liability
• Forest fire fighting expenses
• Advertising liability
• Employment practices
• Medical payments
• Legal Liability for Damage to Automobiles in the Care, Custody, or Control of the Insured (Sef94) + Contractual Liability Endorsement (sef96/99): non owned auto
• Min Premiums begin at $2,500 and higher

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

Features

• World wide coverage when requested
• No minimum underlying limits
• Features will vary by product

Coverage Available

• Umbrella Liability (Limits up to $25 million)
• Excess Liability (Limits up to $100 million)
• Minimum Premium: $3,250

• Hotels/Hospitality Sector
• Transportation
• Oil & Gas
• Manufacturing – food, beverage, tech sector, cross border
• Directors & Officers – Public & Private companies – Excess only
• Errors & Omissions – Tech Sector, A&E, Consultants – Excess only

EIL insurance covers accidental pollution that occurs from standard operations. It also covers any other contamination resulting in environmental damage. ELI policies protect against pollution exposures at your premises, at adjacent third-party premises or at other locations where you conduct business activities.

Four main products available:

• First party / premises cover
• Third party / contractors cover
• Storage tank policies (above and below ground)
• Combined general liability & pollution policies

First party and premises cover

We can offer a wide range of coverages depending on the requirement, focus of the business, and its activities. They are shown below:

• First and third party remediation cover. Triggered by a claim or first party discovery
• Third party bodily Injury and property damage – including first party restoration costs
• Environmental resource damage expenses – including non-pollution events and prevention costs
• Emergency response expenses
• Blanket coverage for transportation and waste disposal activities (activity dependent)
• Business interruption coverage (activity dependent)
• Asbestos coverage including 3rd Party BI/PD, remediation expenses
• Comprehensive bodily Injury coverage
• Legal defense costs
•  Limits up to $50 Million
• Terms up to 5 years
• MIN premiums begin at $3,500 and higher

Contractors Environmental Impairment Liability: 3rd Party

There are many different scenarios as to why someone might need to have contractors pollution / 3rd party pollution cover. They might be:

• Environmental damage caused by dust, asbestos, mold, lead to the surrounding air, land or water.
• A farm contractor hired to spread fertilizers on fields which might cause damage to the wrong crops or surrounding water
• A construction contractor hired to build a bridge across a river with heavy machinery and hazardous substances
• A mining contractor hired to assist in a project for drilling
• A waste disposal organization hired to collect waste and move it to another location

We can offer a wide range of coverage depending on the requirement, focus of the business and its activities. They are shown below:

• Third party bodily injury, property damage or clean-up of environmental damage arising from a pollution incident
• Statutory clean-up costs under the environmental liability directive
• Pollution incidents from transportation whether operated by the contractor or on their behalf
• Blanket time-element site pollution coverage for owned and operated facilities
• Blanket transportation including coverage for bodily injury, property damage, clean-up costs and statutory clean-up costs
• Blanket covered operations
• Legal defense costs outside the limits and not subject to the deductible
• Emergency response expenses without a sublimit – no legal liability required
• Blanket additional Insureds where required by written contract
• Cover of non-owned disposal sites (activity dependent)
• Limits up to $50 million
• Terms up to 5 years for specific policies
• MIN premiums begin at $3,500 and higher

Classes of business that should consider Environmental Impairment Liability include the following:

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