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    Nicholas Pearson

    Nicholas Pearson

    Environmental Underwriter (UK)

    The wide range of turn-key services offered by environmental service firms leaves them confronting a variety of operational, professional, environmental and business risks in the course of their business activities.


    • Commercial general liability (GL) coverage on either a claims made or occurrence coverage trigger subject to underwriting eligibility
    • Professional liability arising out of any act, error or omission in rendering or failure to render professional services
    • Contractors' pollution legal liability (CPL) coverage  for pollution conditions arising out of the performance of or failure to perform contracting services; available on either a claims made or occurrence coverage trigger subject to underwriting eligibility
    • Contractual liability for general liability and  pollution conditions for liability assumed under a written agreement that is an insured contract including action-over protection
    • Property damage includes natural resource damage
    • ADA/FHA/OSHA regulatory or administrative actions reimbursement extension - $30,000 per policy period
    • Defendants' reimbursement extension - up to $500 per day, subject to a maximum of $10,000 per claim
    • Disciplinary proceedings reimbursement extension - $10,000 per policy period
    • Medical payments reimbursement extension - $30,000 per policy period
    • Reputation management reimbursement - up to 50% of the first $30,000 in expenses per policy period
    • Automatic additional insured protection under GL and CPL coverage for clients when required by a written agreement
    • Blanket waiver of subrogation provision for clients of the insured as required by written agreement
    • Broad definition of insured-includes insured's participation in joint ventures
    • Automatic 60-day coverage for acquired entities
    • Innocent insured provision
    • Hired and non-owned auto included
    • Separate limit of liability for claims expenses included within the aggregate limit of liability, employers liability and employee benefits protection available subject to underwriting eligibility   

    Environmental Liability Coverage Enhancements

    • Pollution condition resulting from transported cargo - goods, products or waste transported by a carrier properly licensed to transport such goods, products or waste (includes loading/unloading of cargo);
    • Named Insured location pollution condition - on, at, under or migrating from a scheduled Named Insured location for pollution conditions that is sudden and accidental and first commences during the policy period and finally ends within seven (7) consecutive days from its first commencement; and
    • Pollution condition at a non-owned disposal site (NODS) - for waste or material generated by the performance of contracting services or originating from a scheduled named insured location on, at, under or migrating from a non-owned disposal site

    Technology/Privacy Liability Coverage Enhancements:

    • Negligent act, error or omission or unintentional breach of contract for technology based services (web hosting /computer and software system installation / integration ) and/or technology products (hardware / software developed for a 3rd party)
    • Computer network security-including transfer of malicious code to a 3rd party
    • Copyright infringement
    • Privacy liability

    Beazley's Value-Added Services Include:

    • Pre-claims assistance
    • Mediation deductible credit-insured's deductible reduced up to 50% of each claim up to $25,000
    • Proactive claims management through experienced environmental/construction lawyers
    • Risk management: live quarterly webinars, quarterly newsletters, dedicated online content

    Key Territories

    • Worldwide - Professional and Technology/Privacy Liability Coverage
    • US (including its territories and possessions), Puerto Rico or Canada - GL/CPL Coverage and Environmental Liability Enhancements


    US domiciled firms providing environmental and engineering services/operations to a diverse client base.  Primary focus is on privately held firms with gross revenues up to $25M

    Target market

    Engineering, consulting, project management and contracting/remediation firms generating more than 50% of gross revenues in providing environmental service


    Up to US $10,000,000

    BeazleyOne ENVIRO Equipo


    Nicholas Pearson

    Environmental Underwriter (UK)

    Nicholas Pearson

    London, UK

    The descriptions contained on this website are for preliminary informational purposes only. In the US, the product may be available on an admitted basis in some but not all jurisdictions through Beazley Insurance Company, Inc. In other US jurisdictions, the product is underwritten by Beazley syndicates at Lloyd's and is available only on a surplus lines basis through licensed surplus lines brokers. The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.

    Except where products are issued by Beazley Insurance Company, Inc., coverages are underwritten by Beazley syndicates at Lloyd's and will vary depending on individual country law requirements and may be unavailable in some countries.  The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued.

    Some coverages are made available through Beazley USA Services, Inc., which is a service company that is a part of the Beazley Group and has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's syndicates 623 and 2623 which are managed by Beazley Furlonge Limited.  Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497).