Category Archive: Plumbers & HVAC

Jul 03

New Federal OSHA Chemical Labeling Rules


The rules and regulations are always changing, and that especially goes for contractors. The new Federal OSHA chemical labeling rules will impact every carpet cleaner, janitorial company, and fire/water restoration and reconstruction company in America. Micheal Wilson covers how these new rules will affect you and your business. Read this very important article to know …

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Jan 25

Business Personal Property and Inland Marine Coverage Discussion for the Restoration Professional


Most restoration contractors will have a General Liability and Pollution policy which provides protection to them from third parties in the event some third party alleges negligence against them. Business Personal Property (Contents) coverage provides first party coverage for the contractor’s contents at his office location. Examples would include computers, desks, phone systems, computers, and …

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Aug 27

Avoiding The Dreaded “HAMMER CLAUSE”

I have recently seen contractor pollution policies and contractor professional liability policies that contain the dreaded “hammer clause,” which compels an insured to comply with an insurer’s decision to settle a case rather than fight it out in court. Some insurance carriers also call this the “cooperation clause,” as it forces insureds to settle a …

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May 06

Sampling of Environmental Losses in Buildings

Long Island apartment tenants forced out – mold remediation expected to cost millions for Archstone-Smith A resident of a water-damaged apartment complex filed a lawsuit Wednesday against the property owner, saying that the Archstone Westbury’s “water intrusion problems” and reported mold and mildew made her sick and damaged her property, according to court documents. Andrea …

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Apr 23

Plumbers and HVAC Pollution Liability Exposures


Today’s plumbing or HVAC professional is assuming risks that were previously covered by their general liability policies. Insurance carriers today routinely insert pollution, asbestos, lead, microbial matter (mold) and bacteria exclusions into their policies. These exclusions were being added over the last 8 years as insurance carriers were paying claims for the above exposures they …

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Nov 01

Understanding the Dreaded “Hammer Clause” and its impact on Restoration Contractors and Additional Insureds


I have recently seen contractor pollution policies and contractor professional liability policies that contain the dreaded “hammer clause”.   Some insurance carriers also call this the “cooperation clause”  as it forces insureds to make difficult choices they normally would not agree to in the event of a loss.  This is something not yet seen in the …

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Jul 28

Everything you want to know Pollution Liability For Plumbers & HVAC

We are offering a free 20 instructional video minute video for free as a training resource for insurance agencies. We discuss everything you want to know about contractor pollution liability for plumbers and HVAC risks.  We discuss asbestos, lead, mold and other pollutants in detail in the video.  We also discuss claims made vs. occurrence …

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Jul 11

Why Restoration Contractors Need Professional Liability


I am continuously asked why restoration contractors should carry professional liability insurance. Professional liability should be carried by those who prepare reports or provide opinions that others rely on. “Professional Liability coverage can be offered along with CPL to many non-environmental contractors (general contractors, restoration contractors, construction managers, or specialty contractors) performing project management, plan …

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Apr 14

Why do I need Contractor Pollution Liability? Examples of Claims Not Covered By General Liability Policies.


Because environmental claims can happen to any contractor… Stuff happens! And it it happens when we least expect it to happen. Many non-environmental contractors assume that claims arising from operations are covered by the general liability policy. However, claims resulting from a “pollution incident” are excluded from most general liability policies, which leaves many of …

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Mar 15

Additional Insured Endorsement Considerations for General Contractors


As a licensed general contractor and insurance broker, I’m often asked by trade and general contractors for guidance with their risk management. Usually, they’ll ask me how I managed risks with my own construction company through the years. We constructed a new building for our company 3 years ago, for which I was the general …

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