Empire West Insurance Services specializes in insurance programs and policies for the Environmental, onstruction, Hazardous Waste and Agriculture/Food Service Industries. Many policies are available at low minimum premiums.
General Liability on a Stand Alone basis will provide coverage to a third party for a claim you are responsible for. This can range from “Slip and Fall” and BOP policies for retail establishments to coverage for Trade Contractors such as roofers, plumbers, concrete companies and Transportation Firms that do not need Pollution Liability or other coverage extensions. We are specialists in providing General Liability to construction firms.
General Liability Package Policies are great options for Environmental Firms. These policies can include Pollution Liability and Professional Liability (E&O) or both. These policies are very cost effective ways to get several different operations and exposures covered under one policy with one carrier providing the coverage. There are many advantages for this, mainly cost savings, avoidance of coverage gaps. Writing several coverage parts with on carrier eliminates finger pointing in the event of a claim.
Pollution Liability protects against the accidental release of a pollutant into the environment. These policies can be tailored for Contractors – both Environmental and Non-Environmental, Farms and Transportation firms. Policies can be designed to cover third party locations you do not own, or sites you may own or operate. Incidental Pollution coverage can be added to policies for Laboratories, Consultants and other firms that have minimal exposure to hazardous substances. Coverage is available on a stand alone basis or as part of a package.
Professional Liability or Errors and Omissions or E&O is coverage that protects you from accidental errors in your professional opinion or expertise. Traditionally this coverage has applied to Engineers, Consultants, Laboratories and the like. However, these days any company that designs, recommends or advises on aspects of a project has a professional liability exposure. Many companies have these exposures and do not realize it. Coverage is most economically purchased as a package policy with General Liability.
Business Auto insurance can range from a simple one vehicle operation to a full fleet of trucks. This coverage is highly customizable. A simple Hired and Non-Owned Auto Endorsement will work many times for Engineering Firms and Laboratories while Contractors and Transportation firms may need Transportation Pollution, MCP 65 and DTSC Filings to haul Hazardous Waste. We have extensive experience working with the Department of Toxic Substance Control and the DMV getting proper insurance and filings in place.
Workers Compensation programs are available for all types of businesses, especially hard to place classes such as Asbestos Abatement. Many options are available for Laboratories, Engineers and Consultants. Specialty programs are available for Agriculture firms including Growers, Warehouses, Distributors, Retail Stores and Restaurants. We specialize in Workers Compensation for Asbestos Abatement firms. We have extensive experience working with abatement firms acquire coverage, working out problems from past policies, decipher Experience Modification Factors and establish safety programs to minimize future claims. We also know the most efficient ways to work with DOSH and the Contractors State License Board to get licenses and classifications set up the first time.
Surety Bonding We have extensive experience working with our customer’s bonding requirements. From complicated Payment and Performance bonded projects to simple License and fiduciary bonds, we have done it all.
Property/Equipment insurance is available for all types of property a business might use, own or rent- from complete buildings to equipment that stays on site such as computers and lab equipment to small tools and large equipment used on the jobsite. We have access to all major carriers and can design a policy specific to you needs.
Builders Risk policies are often times required of a contractor by an owner or general contractor. We have several carriers that can quote, bind and issue policies the same day. Rates are the lowest available.