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3 years ago · by · 0 comments

Contractors pollution liabiltiy insurance and risk management are vital to protect against environmental exposure

Scurich Insurance Services, CA, PollutionPollution and environmental exposure risks on site and during transfer and disposal, such as toxic mold, the disposal of contaminated soil, and broken pipelines releasing toxic materials, are major construction concerns. When such incidents happen, a contractor’s reputation and livelihood can be irreversibly impacted.

Contractors Pollution Liability (CPL) is a type of insurance designed to protect contractors against the liability issues and financial losses that result from such environmental incidents. This insurance covers an array of environmental and pollution risks that are common to construction projects and is considered an appropriate coverage whether a firm is a trade contractor, such as those specializing in paving or HVAC; a general contractor; remediation contractor; or a contractor doing specialized work, such as tank installation or drilling. Contractors Pollution Liability insurance is available to cover areas like pollution incidences that result in bodily injury, third-party property damage, or remediation costs. Comprehensive policies can even be customized to provide pollution risk coverage to an entire project, which would include off-site transportation and all contractors involved in the project. Most Contractors Pollution Liability policies are written on a claims-made basis. This basis limits the insurer’s risk for unknown future liabilities since it means the policy only pays claims occurring and being filed during the period covered by the policy.

Clearly, Contractors Pollution Liability insurance can provide invaluable protection against environmental-related financial losses. That said, such a policy doesn’t prevent environmental incidents from occurring in the first place. To help prevent environmental incidences and protect hard-earned reputations, contractors should additionally adopt effective environmental risk management practices.

Creating an environmental risk profile will be one of the most important factors when taking steps toward risk management. This allows the firm to identify possible loss exposures and risk areas by thoroughly reviewing their administrative control documents. While some firms opt to conduct the profile in-house, many prefer the expertise and outsider’s perspective offered by a professional environmental consultant. In any event, documents related to the following areas should be reviewed during the development of an environmental risk profile:

  • Contractors Pollution Liability policies
  • Standard client agreements
  • All mold prevention programs
  • All environmental management programs
  • Subcontractor’s environmental/mold management/prevention systems
  • Language of subcontractor agreements
  • Environmental data searches of job sites
  • Hazard communication programs
  • Quality assurance programs
  • Internal health and safety programs, incident response protocols, and training protocols
  • Trends, history, corrective measures, and employee communications related to environmental losses
  • Environmental assessments for all leased and owned properties

Once the above documentation is assessed, the firm can identify strategies to reduce, if not eliminate, their exposures to environmental risks. Combining risk management with a Contractors Pollution Liability policy can help contractors reduce their risk, but still be covered in case the unexpected happens.

Contact our office for more information.

Content provided by Transformer Marketing.

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3 years ago · by · 0 comments

Watsonville Council OKs Brennan Street homeless shelter

Scurich Insurance Services, CA, Homeless ShelterTeen Challenge plans 94-bed facility for women and children

The City Council approved conversion of the former Baker Brothers furniture store on Brennan Street into a rehabilitation center and 94-bed shelter for women and children.

“I live next door to a Teen Challenge facility, and they’ve been nothing but good neighbors,” said Councilman Daniel Dodge, joining a 6-1 majority in the approval.

The city Planning Commission unanimously approved the Teen Challenge Monterey Bay’s shelter proposal in May. But lawyer Timothy Walsh, whose firm rents a neighboring office, appealed the decision, citing parking concerns.

With a school, strip mall, offices and homes, the neighborhood is a congested area with an existing parking problem that would be made worse by the shelter, Walsh said.

Several neighbors agreed, including a woman who said parking is so tight, people leave their cars in her driveway.

The project, which only identifies 18 parking spaces for its use, doesn’t meet city regulations that mandate at least 36, and possibly as many as 55, he said.

Officials can’t ignore the rules just because the project may offer a beneficial service.

“This is not about challenging Teen Challenge. I’m sure they are a wonderful organization and helping people,” Walsh said. “The Planning Commission simply can’t ignore city regulations dealing with parking.”

But planner Keith Boyle said city regulations do allow parking requirements to be cut in half if the building is used for transitional housing.

Boyle also said the city only has a chance to weigh in because the use departs from commercial zoning. If a more intensive retail business moved into the building, the city would not be able to stop it.

“From our perspective, this is one of the better opportunities not to impact neighbors,” Boyle said.

Mike Borden, Teen Challenge executive director, urged the council to uphold the planning commission’s decision.

He said the nonprofit has operated similar facilities in Watsonville for 27 years without problems, and it is providing vital services to a vulnerable population.

Borden also said the facility would not need much parking in any case. Residents involved in the rehabilitation program are not allowed to have cars, and shelter guests don’t typically have the finances to own vehicles.

“The best way to see if we are going to have a negative impact is to look at our record,” Borden said. “We’re very careful and concerned about our public image, and we are a contributing member to this city and to this county.”

Councilwoman Nancy Bilicich, citing concern over possible litigation, wanted to resolve issues before the project moved forward. She voted no.

Content provided by http://www.santacruzsentinel.com/watsonville/ci_26028584/watsonville-council-oks-brennan-street-homeless-shelter

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

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783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

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PO Box 1170
Watsonville, CA 95077-1170

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