News From Beacon Hill – July 2014

Environmental Exposure Focus: Apartment Complexes

Apartment managers and owners face a number of potential environmental liabilities in their day-to-day operations. Although these liabilities may be clearly allocated in contracts among apartment managers/ owners, tenants, or contractors working at apartment complexes, any or all of these entities could be sued or held responsible in the event of an environmental incident. Many of these problems may not be uncovered until they are undergoing redevelopment or renovation activities, or a claim is made against a manager or owner. Here are some of the environmental exposures that need to be considered:


Property siting/historical use, pollutants coming onto properties from neighboring properties, waterfront locations vulnerable to spills and discharges from property activities, and business interruption as a result of a pollution incident that includes loss of rents.


Spills or leaks of cleaning chemicals and pools/saunas/hot tubs susceptible to mold growth or maintenance chemical spills


Indoor air quality (mold, legionella, carpet glue fumes, paint emissions, wood adhesive fumes, etc.); grounds keeping/landscaping chemical run-off; and, kitchens with grease traps that may fail or overflow.


Carbon monoxide from boiler rooms, furnaces, or water heaters and fuel tanks (above and belowground).

Reputational/Public Relations

Stigma loss associated with contamination event. In fact, because building owners are now touting that their buildings are “green” and “environmentally friendly”, if they have an environmental incident, their reputation could be at risk more than ever before.

Get information on Premises Pollution Liability.

To discuss apartment account opportunities or to request Beacon Hill’s exclusive information on exposures and coverage for apartment complexes, please email us.


Account Profile: Learning More About Your Clients

By Brett Amick, Assistant Vice President

One of the most difficult jobs a retail producer has is making sure he or she has asked a client all the correct questions to address potential exposures. We work with our agents to analyze each of these accounts, and for each, ask questions to determine which have completed operations exposures versus products exposure, and then identify which lines of pollution coverage may be needed. Read the complete article.


Success Stories

$8M Shopping center (appraised land value) purchased a 10-year $10M/$10M Site Pollution Liability for $124,300. This shopping center had a former dry cleaner tenant.

$175k Geophysical consultant purchased General Liability/Contractors Pollution Liability/E&O and a $5M Excess policy for $15,328.

$3M HVAC contractor purchased Contractors Pollution Liability including Mold, Transportation Pollution Liability, and Blanket Additional Insured for $4,811.

$2M Pit lining and secondary containment contractor purchased General Liability/Contractors Pollution Liability/E&O and a $2M Excess policy for $26,194.

$20M Contractor that hauls water in and out of drilling sites in the Marcellus Shale (fleet of 100 vehicles). Purchased Contractors Pollution Liability and Transportation Pollution Liability for $15,295.

Oil storage and separation facilities with three locations purchased Premises Pollution Liability and Transportation Pollution Liability for $15,000.