The Insurance Risk Management and Environmental Consultants at Alper Services have the background
and experience necessary to:

• Identify and quantify environmental risks specific
  to a business
• Provide information and solutions about contaminants by industry
• Understand the law and environmental regulations regarding asbestos, lead, PCBs, mold, petroleum products, solvents, hazardous waste, heavy metals, bulk storage tanks, etc.
• Assist with statutory compliance issues to satisfy EPA, Clean Air Act, Clean Water Act, Navigation Law, Wetlands Act, etc.
• Use creative risk transfer solutions such
  as captives
• Provide solutions for closure / post closure requirements
• Offer finite risk solutions and alternative financing
• Communicate the financial benefits of risk transfer
• Provide expert witness testimony and reports, as well as litigation support.

Why An Experienced Environmental Insurance Consultant Should Be Retained

Any business which already faces, or in the future is likely to face, liability with respect to an environmental issue should contact an environmental specialist who can serve as a consultant and/or broker to control the coordination of the risk management and financial transfer process. The process of environmental risk management and transfer is multi-faceted, complex and mandates the involvement of an Environmental Insurance Consultant (EIC).

Identify Risks

An EIC should understand the environmental risks relevant to a Client’s industry and know the questions necessary to determine what environmental exposures must be addressed for the specific business, the nature of those risks, and the various options for consideration to meet the Client’s objectives.

Quantify Risks

An EIC will assist with providing estimates of potential environmental losses based on some actuarial data, and the systematic assessment of costs which include physical damage, cleanup, bodily injury, defense, business interruption, and natural resource damage. An EIC should be familiar with all available resources which can quantify a range of costs for the Client’s risk exposures.

Understand Environmental Liability

In order to fully assess environmental risk, an EIC should understand the environmental laws and regulations, and tort and contract law, which present liabilities. An EIC which has involvement with environmental claim disputes under commercial general liability policies will appreciate the need to fully address the Client’s exposure for environmental liabilities which may include using Environmental Insurance. An EIC should utilize specific environmental coverage forms and policy wordings, many of which are likely to be written by endorsement.

Know Coverage Forms

An EIC should have a thorough understanding of the more than 25 different types of Environmental Insurance coverage forms available. An experienced EIC would have already pioneered changes, which were subsequently incorporated into the coverage forms. Brokers who are not regularly involved with manuscripting environmental policies will not know the subtle changes necessary to fully protect the Client’s risk exposures. An EIC should have a checklist of mandatory changes to pre-printed coverage forms, and be focused on specific business environmental exposures which must be creatively addressed.