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AMERICAN RISK MANAGEMENT RESOURCE
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
Wisconsin Office (Corporate)
David Dybdahl, President
dybdahl@armr.net
1-608-836-9567
Fax:608-836-9565
California
Bob Rosenfeld
rosenfeld@armr.net
310-937-7068
Fax: 310-937-7086
Illinois Office
Terry Strawn
strawn@armr.net
608-836-9586
Fax: 608-836-9565
ARMR.Net 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.
New York and New Jersey
John McGovern
mcgovern@armr.net
NY 212-618-1939
Fax: 212-618-1705
NJ 732-706-5305
NJ Fax: 732-706-5749
Michigan
Paul Duggan
duggan@armr.net
616-828-4616
Fax 616-791-0228