General and Pollution Liability Environmental Services/Sites (GAPLESS) is a policy geared for a wide range of manufacturers, distributors and environmental services firms that combines general liability, site pollution, contractors’ pollution, and professional liability.

 

Coverage Highlights

  • Premiums are flat and non-auditable
  • Blanket non-owned locations for warehouses and storage as well as disposal sites
  • Blanket transportation – no at rest limitation, covers both direct and contingent
  • Blanket time element location coverage, occurrence with defense outside the limits
  • Misdelivery of liquid products included in transportation
  • Worldwide products and products pollution coverage
  • No E&O exclusion under the general liability or contractors pollution
  • Blanket additional insured where required by written contract
  • Blanket waiver of subrogation
  • No watercraft length limitation
  • Primary and non-contributory wording
  • Broad definition of a pollutant including mold and Legionella
  • Automatic acquisition coverage
  • Knowledge of occurrence
  • Notice of occurrence
  • Crisis management expense in addition to limits
  • Per location and per project aggregates
  • Non sudden Site pollution coverage for owned and non-owned locations

Manufacturers and Distributors Target Classes of Business

  • Abrasives
  • Adhesives/sealants, caulking
  • Asphalt (manufacture, deliver and pour – no installation)
  • Bolts and screws
  • Cement and plaster
  • Chemical ingredients
  • Coatings (including paint)
  • Electrical/electronic parts
  • Equipment used to clean-up, treat, monitor, and control or measure pollution
  • Fertilizer, herbicide, pesticide, landfills, insecticide (no application)
  • Floor covering
  • Fuel additives
  • Ink
  • Interior building finishing materials
  • Bio diesel
  • Lubricants/oils
  • Non-critical auto parts
  • Metal goods
  • Paper/pulp
  • Personal care products
  • Plastic rubber goods
  • Resin
  • Soap/detergent
  • Solvents
  • Storage tanks
  • Valves
  • Waxes/polishes
  • Aerosol fillers
  • Color or pigmentation
  • Drum reconditioning
  • Electroplating
  • Foundries
  • Quarries
  • Tool and die casting
  • Waste to energy
  • Waste treatment, storage and disposal (landfill, recycling, incineration, transfer station)
  • Wood preserving

Minimum premium $20,000