I'm an environmental coverage lawyer and insurance agent for environmental insurers. At a time when the price of environmental insurance is at record lows, less than 1 % of commercial insurance buyers are adequately insured for pollution either because they don't understand this highly technical coverage or think their general liability policy covers environmental claims. I would like to help educate people as to the following: Pollution is not just hazardous waste; it includes indoor pollution and products pollution. You don't have to be in the pollution business to have a pollution claim, and your general liability policy likely does not cover pollution in this broader sense.

I was in house in the legal department of the Home Insurance Company with a job I loved, drafting insurance, including environmental insurance, policies. Then the Home lost its A- Best's rating and I was out of a job. It was the beginning of the Brownfields Movement in 1995, so I opened a boutique brokerage specializing in manuscripted environmental policies, usually site pollution liability (SPL) policies, that were used to put contaminated property deals together.

Today, I can offer "top of the line" products including Contractors' Pollution Liability (CPL), Consultants' Professional Liability and per project Owner Controlled Insurance Programs (OCIPs). These are manuscripted products, with coverage unavailable elsewhere, including Completed Operations under occurrence based CPL policies and loss control programs that use what the EPA calls "advanced monitoring technologies and approaches that support long term stewardship."