Environmental Services

Frank Crystal & Company is a full-service insurance brokerage with a dedicated team of environmental experts and insurance brokers. It has brokers dedicated to all areas of commercial, financial, and personal insurance. Frank Crystal's environmental brokers and loss control engineers specialize in designing solutions to meet each insured's individual needs. They will help the insured to identify, evaluate, review, implement, and monitor all of its environmental exposures. In addition to environmental liability, Frank Crystal provides comprehensive insurance solutions for directors and officers liability, errors and omissions liability, and owner-controlled exposures, including the unique liability exposures associated with mergers and acquisitions.

In addition to the experienced environmental brokers, Frank Crystal also has environmental claims managers who provide consultative guidance and claims resolution advocacy for specific claims transactions, mergers and acquisitions related claims due diligence, and loss portfolio management.

Frank Crystal’s environmental clients include not only classic asbestos and mold concerns but also environmental consulting firms, contractors, waste management companies, water treatment facilities and other high-risk concerns.

Available Coverages

  • Tort liability claims for bodily injury, property damage, property value diminution, and business interruption caused by a pollution condition emanating from the covered property
  • On and Off site bodily injury and property damage caused by a pollution condition
  • Claims due to pollution condition at or emanating from known or unknown, non-owned disposal sites
  • Release of contamination during transportation
  • Contractual liability due to a pollution condition
  • Natural resource damage caused by a pollution condition

First Party Onsite Cleanup Costs and Related Expenses

  • Remediation of a pollution condition ordered by a governmental authority after a cleanup (re-opener coverage)
  • Remediation of a known pollution condition originally thought not to require remediation
  • Remediation of previously unknown, pre-existing pollution conditions
  • Remediation of a current pollution condition from ongoing operations
  • Property value diminution, business interruption, and delayed construction costs due to a pollution condition
  • Remediation of a pollution condition emanating from adjacent properties
  • Property damage, property value diminution, and delayed construction due to pollution emanating from adjacent properties

Legal Defense Costs to Defend Against Third Party Claims

  • Attorney and other fees (Defense Coverage is included within the limit)

Business Interruption/Extra Expense

  • Loss of income or increased expenses due to cessation of operations due to covered pollution conditions

Non-Owned Disposal Site

  • Coverage is provided for First Party Clean Up and Third Party Liability Claim and is associated with the insured’s off site disposal practices (Superfund liability)

Transportation

  • Coverage for pollution events that occur during the loading/unloading and the transporting of hazardous and non-hazardous material