OUTLINE
 AIG Environmental Background
 What is Environmental Insurance?
 Insurance Products
 Commercial Pollution Legal Liability
 EAGLE®
 Other
 AIG Consultants
Background Information

AIG Environmental is a division of AIG, Inc, a leading international
insurance and financial organization with assets of over $800 billion

Writing environmental insurance since 1979

14 offices across the US and Canada with full underwriting staff

Dedicated engineering staff (AIG Consultants) exceeds 40 professionals

Provide underwriting, claims management, loss-control services, contract
review, emergency response network, and connections with AIG’s
member companies
What is Environmental Insurance?

Insurance Definition of Pollution1: The contamination of an environment
by substances regarded as pollutants. Liability from pollution is normally
excluded to some degree by general, auto, and umbrella liability policies.
In recent years, insurers have attempted to introduce strict exclusionary
language into these policies, making it necessary for insureds to seek
coverage under separate “environmental impairment liability” policies.

Insurance Definition of Pollutant1: An irritant or contaminant, whether in
solid, liquid, or gaseous form, including smoke, vapor, soot, fumes, acids,
alkalis, chemicals, and waste (when they can be regarded as an irritant or
contaminant).
1 Glossary of Insurance and Risk Management Terms, 10 th Addition. Copyright 2006. Published by International Risk Management Institute. Dallas, TX. Page183
Understanding Your Exposures: Risk Management
Low
Severity
High
Clients: Control High Frequency / Low Severity Losses
Insurance: Indemnifies for High Severity / Low Frequency Losses
Insurance
Avoidance
Retention
Loss Control &
EHS&S Mgt Systems
Low
Frequency
High
Insurance Products
 Commercial Pollution Legal Liability® (CPLL)

Environmental insurance only

Offered to most classes of business
 EAGLE® (Environmental And General Liability Exposures)

Inclusive coverage that combines GL with Pollution Liability, Auto & Umbrella

Offered to specific classes of business
 Other Products (not explained in presentation)

Errors & Omissions – for environmental services, firms, labs, & engineers

Contractor Operations & Professional Services (COPS) – for contractors and consultants

SEAL (Supplemental Environmental Auto Liability)

Passport – International Pollution Coverage
Commercial Pollution Legal Liability® (CPLL)
 Pay for the Insured’s Pollution loss as a result of:

Bodily Injury

Property Damage

Clean-Up Costs
 Standard agreement encompasses:

Owned, leased, or managed sites (site-specific)

3rd party locations / Non-owned sites

Transportation

Contracting Operations

Contractual Liability
 Claims must be first made against the Insured and reported to the Company, in writing, during the
Policy Period, or during the extended reporting period if applicable
EAGLE®
Environmental and General Liability Exposures

Specifically designed for companies with chemical exposures

Pollution coverage included in general liability, auto, and umbrella policy

Recognizes ChemStewards® as risk reduction tool

Considers EHS&S Management Systems in underwriting

Premium credits offered for verification costs
EAGLE® - Flexible Structure
General Liability Coverage:
A - 3rd Party Bodily Injury & Property Damage
B - Personal & Advertising Injury Liability
C - Medical Payments
Pollution Coverage:
D - Gradual Pollution Legal Liability for Designated Locations
E - Enhanced Pollution Coverage
EAGLE® - Pollution Coverage
Pollution (Coverage D1)
On Site 3rd Party Claims for Bodily Injury
On Site Property Damage
On Site Cleanup Costs (optional)
Off Site Bodily Injury
Off Site Property Damage
Off Site Clean Up Cost
Non-owned locations can be included
Pollution Enhancements (Coverage E)
E 1 – Pollution from Hostile Fire
E 2 – Products Pollution Liability
E 3 – Contractors Pollution Liability
E 4 – Pollution from Transported Cargo
What is AIG Consultants?
 Consulting Services for:

Environment

Healthcare

Safety

Property

Crisis Management
 400+ engineers and consultants worldwide
 33 countries and 130 jurisdictions
 ISO9001-2000 certified
 Supports the AIG Environmental
underwriting process with:

Technical analysis of the operations

Recommendations for improvement
AIG Consultants: Customer Services
 Technical Consultation

On-site Consultation or Phone survey
 Risk Tool – on line risk management loss control information source – www.risktool.com

Provides EHS&S web links, training programs, program templates, recordkeeping programs and more

All SOCMA members are eligible for COMPLIMENTARY registration on Risk Tool
 Transportation-Related Services

National Safety Council Defensive Driving Course - online training

Mock DOT Surveys – overview of fleet compliance practices

Driver Monitoring – sticker posting on fleet vehicles with VIN and a toll free 1-800 number
 PIER (Pollution Incident and Environmental Response)

Complimentary 24/7 environmental contracting & consulting services for all customers

PIER I – transportation & fleet coverage

PIER II – site coverage
 PATROL (Planning and Tracking Response On Line) – www.aigpatrol.com

Top Screen Assessments

Terrorism / Security Vulnerability Assessments

Disaster Control

Continuity Planning
Your AIG Team
Atlanta:
Berkeley Heights:
Boston:
Chicago:
Cleveland:
Dallas:
Houston:
(770) 671-2304
(908) 679-3276
(617) 457-5813
(312) 930-5379
(216) 479-8832
(214) 932-2310
(713) 342-7512
Los Angeles:
New York:
Philadelphia:
San Francisco:
St. Louis:
Toronto:
Homeland Security:
(213) 689-3935
(212) 770-2670
(215) 255-6170
(415) 836-2727
(314) 889-7845
(416) 596-4104
(212) 770-8103
Questions?
Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary
only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for
complete details of coverage and exclusions. Coverage may not be available in all states. Issuance of coverage is subject to
underwriting. The scenarios summarized above are offered only as examples. Coverage depends on the actual facts of each
case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should
request a copy of the policy itself for a description of the scope and limitations of coverage. Policy terms may vary bases
on individual state requirements and may not be available in all states.
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