Hillcrest Agency has always specialized in Environmental Coverage. We represent several companies to provide all types of pollution liability for contractors and property owners. A Pollution Liability policy can also be used to facilitate the sale of contaminated property, to satisfy lenders and to protect the interests of buyers and sellers.

Contractors working with materials that are considered hazardous need Contractors Pollution Liability, as well as those contractors that may cause a Pollution Incident while performing their work.

Below are some examples of contractors who may need this coverage.

• Lead & Asbestos Abatement
• Mold Remediation
• Fire and Water Restoration Companies
• Homebuilders
• Plumbers / HVAC
• Excavation
• Demolition
• Roofers
• Janitorial Service
• Landscapers

Business owners also have a risk for pollutants stored or manufactured on their property. Clean up costs are expensive, and business is interrupted after a chemical spill. Mold and contaminated air are particular problems for building owners, and delayed restoration of the building results in lost rents and business revenues. Wastewater disposal, chemical storage, manufacturing by products and underground storage tanks are areas of concern. Premises Pollution Liability can be written for minimum premiums.

Types of businesses that would benefit from this insurance are:

• Commercial Buildings and Shopping Centers
• Printers
• Drycleaners
• Manufacturers
• Hospitals and Medical Offices
• Gas Stations
• Machine Shops
• Golf Courses
• Universities

Environmental Consultants provide assistance with pollution issues for property development and operations. They work with manufacturers and municipalities to test and monitor pollutants in ground, water and air. Historical data is reviewed in conjunction with assessments of current pollution conditions and future risks. Liability insurance is provided for monetary damages and defense coverage in the event of a suit. A consultant can get pulled into a claims situation when several parties are named in the suit, even if he has not been negligent.