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Are you putting your clients at risk with gaps in coverage? When is the last time you checked your General Liability and Property policy for pollution exclusions? Even if there is no exclusion, do not assume that silent coverage means there is coverage.

Our team has developed a pre-negotiated pollution insurance program designed for residential and commercial real estate owners and managers to address environmental exposures.

Don’t wait until something happens to do something. Did you know one pollution claim can be catastrophic? Here are some examples of how a pollution claim can become disastrous:

  • Ingesting Lead: A 12 year old girl was awarded $4.8M for brain damage resulting from ingesting lead paint chips in a Brooklyn apartment. Claims like this are common, and frequently result in damages in excess of $1M.
  • Indoor Air: A property owner suffered a $750,000 loss due to damages awarded in connection with a commonly used solvent (TCE) from a nearby dry cleaner, which migrated under the building in groundwater and affected soil and indoor air quality.
  • Mold Contamination: A $25M settlement with current and former tenants from toxic mold in an upscale residential complex.

How can we help? Every single one of our environmental program insureds receive Complimentary Lead, Asbestos, and Mold Operations and Management Plans. These plans are designed to provide strategies to maintain good building conditions and minimize losses in the event of a lead, mold, or asbestos release.

Reach out today so we can discuss any potential gaps in coverage and how we can protect you and your clients.

Katrina Wu - Customized Insurance Programs

Katrina Wu

Senior Program Analyst | Senior Underwriter

P: 516-773-8620

Katrina has been underwriting Environmental program business since 2019, but has been underwriting commercial insurance risks since 2016. Working towards her CPCU has fueled her passion and drive for knowledge in all aspects of risk management and insurance. She will use this knowledge to provide quality service to all her clients.

    Real Estate Pre-Qualification

    Is your schedule comprised of 250 units+ and/or commercial exposure?

    Are you looking for limits of $10M or higher?

    Does your schedule contain assisted living, student housing, schools, and/or hotels/motels?

    Do you want prompt, reliable responses?

    Based on your response, you can proceed with completing an application.

    Download & Complete an Application

    Sorry, but we cannot service your needs at this moment. Feel free to contact us at or 800-767-7837 if you have any further questions.

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