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Your clients call on you for specialized knowledge. Can you call on your insurance carrier for the same?

With today’s tight business deadlines and operating margins, consultants face increasing time and cost pressures from clients. For example:

Time ran out but the contamination didn’t: A large home retailer was buying numerous sites for new store locations. An environmental consultant was hired to perform Phase I evaluations on all of the sites. Due to internal personnel changes, the report was sent over without completing the last site’s evaluation, where several old underground storage tanks containing hydraulic fluid were discovered.
Clean up cost liabilities for the consultant: $1 million plus

Client cuts corners to save costs: A developer needed to perform a Phase II assessment after an earlier Phase I assessment had identified several areas of concern. The environmental consultant recommended a total of 50 borings with several samples per boring. Due to the cost, the developer requested the consultant to cut the borings in half. A heavy oil contaminant in the ground was not found until development began. Litigation and clean-up cost liabilities for the consultant: $1 million.

In these types of scenarios, professional liability coverage may not be enough.

Zurich solution: seamless coverage between pollution liability and E&O

To help provide consultants with the seamless coverage they need, Zurich developed the Professional Environmental Consultant’s Liability Policy. This policy combines elements of Errors and Omissions coverage (E&O) with Contractor’s Pollution Liability. This policy is particularly suited for the risk needs of:

  • Environmental engineers and consultants
  • Industrial hygienists and indoor air quality consultants
  • Environmental laboratories
  • Environmental contractors with in-house engineering/consulting capabilities

The Zurich difference: specialized knowledge at every step of the way

  • In-house scientific knowledge
    Zurich has invested in creating an internal team of geologists, biologists, chemists, environmental attorneys and other specialists who can help you navigate the trickiest risks.
  • Breadth and customization of coverage
    Our customers value the breadth of products available, and can choose environmental liability to complement general liability, property and other coverages. Since each company’s risk is unique, Zurich can customize coverages to fit your needs, while ensuring the right risk-cost balance is achieved.
  • Regional underwriting offices
    Zurich has 9 regional underwriting offices located in major metropolitan markets including Atlanta, Boston, Houston and San Francisco. These underwriters tap into a team of product, claims and risk engineering resources* that are with you at every point in the process to address emerging and unusual risk challenges.

    *Risk engineering services provided by Zurich Services Corporation