Integrated GL, EIL, Prods PL, CPL

It is no longer prudent for manufacturers or distributors to assess their general casualty and environmental liabilities independently. We have a solution.

Our New Integrated Program

General Liability, Environmental Impairment Liability, Products Pollution Liability, & Contractors Pollution Liability

In an era of heightened scrutiny of environmental liabilities facing many companies, it is no longer prudent for manufacturers or distributors to assess their general casualty and environmental liabilities independently. Products that are seemingly innocuous-such as drywall-have turned out to have severe pollution potential. Further, trying to structure a standard Commercial General Liability (CGL) policy to cover the broad range of traditional (products, premises) and pollution exposures faced by this class of business is, at best, complex, time-consuming and fraught with coverage pitfalls created by the interaction amongst multiple policies.

Some examples of target manufacturing and distribution classes:

INDUSTRIAL PRODUCTS:
  • Industrial Valves and Pipe Fittings
  • Capital Equipment
  • Pumps and Pumping Equipment
  • Industrial Machinery and Equipment
  • Motors
  • Bolts and Screws
METAL WORKING:
  • Metal Stamping Operations
  • Tool and Die
  • Foundries
  • Steel and Wire Products
  • Plating and Polishing
  • Tanks and Tank Components
  • Drums (incl. reconditioning)
  • Metal Goods
ELECTRONIC PRODUCTS & COMPONENTS:
  • Electronic Parts & Equipment
  • Electronic Equipment & Supplies
  • Instruments and Diagnostic Equipment
  • Air, Water, and Gas Monitoring Equipment
PLASTIC AND RUBBER PRODUCTS:
  • Molded or Extruded Plastic Goods
  • Injection Molding
  • Gaskets & Sealing Devices
  • Fabricated Rubber Components
  • Rubber and Plastic Hoses and Belting
  • Packaging
COMMERCIAL PRODUCTS:
  • Vehicle Parts (non-critical)
  • Component Parts
  • Tools and Accessories
  • Mining Equipment
  • Construction/Farm Equipment
  • Textiles
  • Interior Bldg. Finish Materials (trim, flooring, etc)
OTHER (SPECIALTY) CLASSES:
  • Inks/Pigments/Dyes
  • Waste, Treatment, Storage, Recycling, Disposal
  • Transfer Stations
  • Warehousing
  • Soaps/Detergents
  • Contract Blending Ops.
  • Membranes/Liners

While National E&S helps take the complexity out of managing your general casualty and environmental risks and reduces the three standard policies into one, the benefits don’t stop there. Each policy is highly customizable and contains many broadened features tailored to the manufacturing and distribution industry.

COVERAGE 1: ISO-BASED PRIMARY GENERAL LIABILITY COVERAGE+:
  • Affirmative insuring agreements for Products Pollution and Pollution from a Hostile Fire or Building Equipment
  • Eployee Benefits Administration Liability
  • Crisis Management Coverage
  • Primary General Liability limits are not eroded by pollution losses other than the Products Pollution and Hostile Fire/Building Equipment coverage
  • Worldwide Territory coverage for Your Products
  • Broad Named Insured status for entities in which you own at least a 50% interest
  • Newly acquired entity coverage for up to 180 days
  • Per Location/Per Project General Aggregate
COVERAGE 2: FULL SUITE OF ENVIRONMENTAL LIABILITY COVERAGES
  • Contractor’s Pollution Liability
  • Pollution Liability for Transportation Activities (including Misdelivery)
  • Waste Disposal Site Liability
  • Pollution Liability for Your Sites
    • 3rd party bodily injury and property damage from sudden (time-element) Pollution incidents on a braod (unshceduled) basis
    • Emergency Cleanup Costs
    • First and third party coverage for bodily injury, property damage and cleanup costs from both sudden and gradual pollution incidents available in base policy
  • Enviromental Crisis Management coverage
  • Pollution losses under this coverage part are separate from the Primary General Liability limits (preserving your Primary GL limits for Products & Premises exposures)
COVERAGE 3: EXCESS LIABILITY COVERAGE
  • Applies over the General Liability Coverage (Cov. Parts A, B, and C + Products Pollution + Hostile Fire & Building Equipment + Employee Benefits Administration Liability)
  • Also Applies over a scheduled Primary Auto or Employers Liability policy with at least $1 million in underlying limits

For more information, please contact us at: info@nationaleands.com

Download Application