What is the Environmental Program?

The environmental program is designed to meet the unique needs of consultants, engineers and contractors that serve the environmental marketplace and/or have exposures to environmental risks.

What makes Schinnerer's Environmental Program different?

We focus our attention toward the needs of environmental contractors and consultants. In addition, we have over 50 years of professional liability experience. We provide many unique services and solutions to the risks faced by consultants, engineers and contractors, including risk management and claims services. 

What is professional liability coverage?

It's financial protection for professionals against the mistakes they can make in doing their everyday jobs. Just like doctors have medical malpractice insurance to defend themselves against lawsuits, other types of professionals--such as environmental consultants and engineers--need protection in case they make an error or omission on the job. Professional liability coverage pays your client's defense costs and damages in the case of a claim.

Why do I need professional liability coverage?

Even though professionals always try to do their best for their clients, mistakes do happen. And in such a litigious society, lawsuits have become an inevitability. Professional liability coverage not only pays judgment costs, it also prepares you for a lawsuit by paying claims defense costs. After all, even the fraudulent claims cost your business money.

Our insureds are as diverse as the environmental issues they face. Our current clients include firms performing remediation services, Phase I & II and other environmental studies, wildlife population studies, wetland delineation, oceanography surveys, air pollution services, Lab testing, permitting, Underground Storage tanks, noise pollution and many other services. See a list of professionals/services we insure.

Does Schinnerer's professional liability policy form include general liability coverage?

No. Schinnerer's form contains errors & omissions coverage and pollution incident coverage. We do offer general liability coverage to most of our environmental clients on a case by case basis. Many of our insureds/applicants can obtain general liability and other lines of P&C coverage through our Design One program. Smaller clients are written on a Business Owners' Policy while larger, more complex firms are written on the Tailored Commercial Package Policy. You can access both of these product lines using the Products menu in the left-hand column.

How can I get a quote?

We do all of our business through independent agents and brokers. To get a quote, complete our application and send it to your broker. If you do not have one, you can select our Broker Locator in the left-hand column to find one in your area. When we receive the application from your broker, we provide a quote in 2-3 days.