Article Information
Mr. Dybdahl is a licensed excess and surplus lines insurance broker, insurance consultant, and expert witness specializing in environmental insurance and risk management. He has served on the US Environmental Protection Agency’s Contractor Indemnification Technical Review Panel, where he created the first contractors pollution liability insurance policy in 1986. He has provided technical guidance on environmental insurance issues to the US Environmental Protection Agency, the Army Corps of Engineers, the US Justice Department, and the US Department of Energy. Mr. Dybdahl has successfully placed insurance programs on many of the world’s toughest environmental risks, including developing the first environmental insurance policies for Superfund contractors, placing the first wrap-up insurance programs on the US Department of Energy’s nuclear weapons facilities at Hanford, Washington, and Oak Ridge, Tennessee, and insuring the containment operations of the Chernobyl nuclear disaster for the World Bank in London.
4/29/2021.
Traps: Bogus insurance certificates issued by insurance agents with no actual coverage for the work you do. Illegal application of anti-microbials (Covid-19 or Mold Remediation) that is “a violation of federal law” resulting in your insurance coverage to be null and void since you cannot have an enforceable contract for illegal services.
What do you need to be concerned with when it comes to being properly/fully covered for the work you do by contractor pollution (environmental) insurance?
DISCLAIMER:
The author (Dybdahl) is one of the sponsors/founders of DDRS.org
Rating Breakdown
Why 5 Stars? Heads up on how to avoid potential liability problems for remediators and janitorial services. Good, practical advice. A must read for all cleaning and remediation contractors.
1-5 Stars System
- Positive: Greater than or equal to 4 (4.0 – 5.0) MUST READ
- Neutral: Greater than or equal to 3 but less than 4 (3.0 – 3.9)
- Negative: Less than 3 (2.9 – 0)
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The article states: “What happens to set this trap is a well-intentioned, but naïve insurance agent issues an insurance certificate that perfectly complies with the mandatory insurance certificate language required in a contract. However, the actual coverage in the insurance policy does not match the coverage the certificate of insurance says you have.”
This is exactly what happened to me. I’m spending $7K per year for E&O and Environmental Insurance for Mold Assessment and Remediation. My Insurance Policy Dec page says I am covered. I’ve had to same coverage for 15 years. But when someone threatened me with a lawsuit because I served as an expert witness against them in a lawsuit, I read my policy and found that I was actually not covered for pretty much anything. So take Dybdahl’s advice: Read your policy!