Uniquely Independent, Integrated Advice for Environmental Risks
Environmental Insurance

Environmental insurance policies offer various forms of insuring agreements, exclusions, terms and conditions, usually modified for the specific insured exposures. If you have not had an evaluation of your current environmental exposures and insurance by an independent expert, you may not know what gaps exist in your coverage and which ones may be significant.

Independent Coverage Evaluation
Risk is all about details, such as specific environmental site conditions and policy endorsements. There are few environmental insurance professionals who will have the time and expertise to conduct a thorough, integrated evaluation of environmental exposures and insurance.

Don't wait for a claim to determine that your coverage is lacking.


Claim Management
When claims occur, there are many responsibilities including policy requirements for reporting and insurer consent. Large organizations may be challenged in meeting policy conditions, and surprised when insurers strictly enforce policy terms for costs within the deductible. ER&FS is a resource for management of complex environmental claims.

Expert Testimony
Is your environmental insurance coverage being treated like a game with the odds stacked against you?

We understand environmental insurance placement, underwriting, policy development, and technical issues related to contamination - and we feel compelled to stand up for fair play.

ER&FS quickly focused on key issues and achieved impressive results... I strongly recommend ER&FS as an effective and valuable resource in managing complex environmental risks and developing innovative solutions... Contact ER&FS for an independent evaluation of your environmental risk management program, and if they help you half as much as they did Republic Services, you'll be very pleased!

David M. Spruance
Former Director, Risk Management
Republic Services, Inc.
(NYSE: RSG)