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Environmental Insurance Program for Former Industrial Facility


A former industrial manufacturing facility in the Midwestern United States had been converted to office and warehouse space. The owner of the property, in anticipation of the sale of the facility, requested a site-wide evaluation of the previous investigations, design and implementation of additional studies to fill data gaps, and a structured request for a Pollution Liability insurance policy to address unknown and undiscovered releases, to facilitate the property transaction.


Premier was retained by the owner of the facility to evaluate previous investigations, conduct an agency file review, and design/implement the additional data collection. Of particular concern was the potential presence of plating and degreasing chemicals in the soil beneath the building. To avoid the cost and complexity of investigations within and beneath an existing building, Premier developed a groundwater investigation program that demonstrated that no significant sources existed beneath the building. With that data set in hand, Premier prepared a comprehensive report of the investigation of the property designed to respond to the specific needs and requirements of purchasers and environmental insurance underwriters.


With the exception of limited agency correspondence, the only documentation required by the underwriters was the Premier report. The owner of the property was able to bind a 10-year, $10,000,000 pollution liability policy for a premium of less than $100,000. This policy was transferable to the purchaser and covered unknown and undiscovered on-site and off-site releases, including third-party defense costs.

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