American Risk Management Resources Network, LLC

Specialists in Environmental Insurance and Risk Management


ARMR.Network, LLC provides valuable wholesale access to all of the major environmental underwriters. Our exceptionally qualified staff can quickly and efficiently evaluate the environmental insurance needs of the customer. Let us put our expertise to work for you.

Property Environmental Risk Management (PERM™) Insurance

Including Loss Prevention/Control Engineering Services

The first affordable risk management solution for indoor environmental risks including coverage for Mold/Bacteria, UST’s, Superfund, Defective Building Materials, Business Interruption/Loss of Rents etc. 

PERM™ Insurance Application Click Here                                                                             PERM™Support Materials Click Here

 Product Description     

PERM is a risk management protocol specifically designed to address the environmental risks of commercial property owners and developers at affordable rates.  Universal exclusions in property and liability insurance policies for pollution, fungus, mold, bacteria, asbestos and lead make PERM™ an essential component to the insurance programs of property owners. By accessing water intrusion loss control services from a network of certified contractors we are able to offer the PERM™ insurance policy at savings of up to 50% from the historical cost of similar insurance.

The PERM™ insurance product can be used to insure existing properties or properties under construction.

Available Limits of Liability:      up to $50,000,000

Minimum Premium:     $6,000 annually including coverage for fungus/mold and other microbial matter.

Policy Term:     1 to 10 years

All Stakeholders as Named Insureds

Developer, Owner, Lender as Loss Payee and Future Buyers of the Property (including the Homeowners Association when applicable) - The PERM™ policy can be assigned to subsequent owners without additional premium.

Features and Benefits

·         Included in the premium; proprietary building science based water intrusion loss prevention and control and emergency response services will be provided during the policy term. 

 

·         By establishing a water intrusion loss prevention plan with a certified contractor through ARMR.Network the cost of insurance is minimized.

 

·         PERM™ eliminates the need for all of the stakeholders in a property to buy their own pollution, fungus, mold, bacteria, asbestos and lead insurance coverage for multiple years even after they have sold a property.

·         Highly qualified ARMR.Network environmental insurance specialists can assist insurance agents and brokers in evaluating the coverage for environmental losses in the standard insurance policies on the property.

·         Coverage for all insured’s is not dependent upon the “insured operations” of a contractor.

 

·         Owners are protected whether or not future contractors are properly insured for environmental risk.

 

·         The PERM™ policy is non-cancelable by the underwriter except for non-payment of premium, malfeasance or significant change in use leading to increased risk.

 

Security A. M. Bests A: X or better

For more information please contact:

Judi Martinez                        David Dybdahl                      Dan Scheider
martinez@armr.net               dybdahl@armr.net               scheider@armr.net
608 836 9586                          608 836 9567                          608 836 9833