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AMERICAN RISK MANAGEMENT RESOURCES NETWORK, LLC
A Specialty Environmental Insurance Broker |
We offer our customized insurance packages through local insurance agents in all fifty states.
We know your business and your insurance needs.
We offer coverage from all the leading insurance companies.
The liability insurance packages we offer combines Commercial General Liability insurance with Contractors Pollution Liability and Professional Liability insurance including coverage for fungus/mold related claims into a single policy. Combining the coverage parts into a single policy and sharing the same limits of liability saves premium dollars. The package policy also facilitates settling claims in the event of a loss pertaining to more than one line of coverage.
The professional liability coverage part in our package policy is generally not available in the insurance market place to restoration contractors; for firms with degreed professionals on staff this coverage part is an important part of the insurance package.
The insurance program is being provided by A M Bests “A”, insurance companies.
Although, most restoration contractors have not envisioned themselves in the past as providers of “Environmental Services”, the advent of universal mold exclusions and their work with water and drying in the indoor environment have moved Restoration Contractors into the realm of Environmental Contractors for insurance purposes. A white paper on The New Insurance Reality of Restoration Contractors is available that explains these changes.
Contact Us
David Dybdahl, CPCU, ARM, MBA President
Bob Rosenfeld, PhD, CPCU
Ron Anderson
Judi Martinez
Dan Scheider Kari
Dybdahl
Fred Martinez
Michelle Schlachter
Anne Hyberger
Cynthia Statz
dybdahl@armr.net
608-836-9567
Managing Director
rosenfeld@armr.net
310-937-7068
Director of Underwriting
anderson@armr.net
608-836-0551
Vice President
martinez@armr.net
608-836-9586
Assistant Vice President
scheider@armr.net
608-836-9833
Associate
kari@armr.net
608-824-3341
CSR
fred.martinez@armr.net
608-836-9589
CSR
schlachter@armr.net
608-836-9520
Regulatory Compliance
anne@armr.net
608-609-0395
Administration
cindy@armr.net
608-836-0603
ARMR.Network Restoration Contractors Insurance
Program Specifications
Underwriters: Zurich North America, Liberty, AIG,
Everest, Evanston, Gemini, James River, American Safety
(Coverage is written on a surplus lines basis with premium taxes
payable by the Insured)
AM Bests Rating
A, Excellent or better
Coverage’s Available
General Liability, Contractors Pollution Liability, Packages
GL/CPL/Professional
The Environmental Services Package Policy combines
occurrence based Commercial General Liability and Contractors
Pollution Liability with claims made Professional Liability into
one insurance policy sharing common policy limits of liability.
The ESP policy is usually less expensive than purchasing
separate policies to insure these same loss exposures. Package
policies have superior claims handling attributes than
purchasing separate policies.
The CPL coverage in this package policy is expanded to cover
fungus and mold related losses on a claims made basis.
Minimum Premium
$2,500 for a GL/CPL/Professional Liability Package
Minimum Deductible $5,000
Maximum Policy Limits
Up to $25,000,000
Policies are available in every state.
Contractors Pollution Liability Available as a single
product. Minimum premium $2,500
Additional Insureds
The contractor’s customers can automatically be named as
additional insureds on the General liability and Contractors
Pollution Liability policies.
A special endorsement has been crafted to add third party claims
administrators and property insurance companies as additional
insureds on the policy. Our insurance packages are acceptable to
all the major franchises and networks.
Rates
Our goal is to provide you with the best insurance value in the
business for like coverage’s from like insurance companies.
There are material differences in the coverages provided. We are
aware of these differences and can help our clients make
informed insurance buying decisions. The rates for commercial
insurance vary a great deal depending on the amount of insurance
purchased, the revenue of the insured, the mix of business,
deductibles, the state the insured is located in, and past
losses. We are constantly monitoring the insurance market place
for insurance pricing and quality. We are confident that our
insurance program offers an outstanding value, especially if the
environmental insurance coverage and professional liability are
taken into account.