Environmental consultants are concerned with the prevention of injury to the environment from a client’s operation. They also assist clients in the control or cleanup of existing damage or exposure to environmental concerns. An environmental consultant may arrange for testing of greenhouse gas emissions, monitor air quality, or review compliance with EPA or other regulatory agencies regarding hazardous waste disposal.
Professional liability exposure and errors and omissions exposure can be extensive. Consideration must be made as to potential for environmental damage due to ineffective advice or incorrect testing practices. All procedures must be followed and inspections regularly conducted. Documentation must be clear, with changes marked and authorizations signed by both the consultant and the customer. Customers can suffer financial loss if they must pay fines or cease operations due to a government order because of environmental concerns. In addition, release of pollutants can cause property damage to surrounding residential or business areas.
Insurance coverages provided:
- General Liability
- Employee Benefits
- Hired and Non-ownership Auto
- Workers Compensation
- Contractor’s Equipment
- Employment Related Practices
- Business Automobile Liability and Physical Damage
New Jersey Licensed Site Remediation Professional Association, Inc.
The Risk Management and Loss Prevention Committee of the New Jersey LSRP Association recognized that the enactment of New Jersey’s Site Remediation Reform Act (SRRA) created the potential for additional personal liability exposures for NJ LSRPs. Since Professional Liability for environmental consultants is written on nonstandard policy forms, each offer of coverage must be evaluated in its entirety. Definitions and exclusions found in policy form and endorsements must be compared to determine how they address the following potential areas of exposure:
- Civil Actions, Fines & Defense
- RAO Re-Openers – Response Action Outcomes
- Intentional Acts
- Immediate Environmental Concerns
TFG Insurance Specialties can help New Jersey LSRPs understand exposures under this legislation and measure the probability of loss and its impact on their businesses. Upon completion of this process, we identify gaps in coverage and negotiate terms on your behalf.