Claims Scenarios Library

Claims Scenarios Library

Be ready when life happens. These real situations illustrate the variety of environmental exposures that could just as easily have affected your customers! We hope these assist as you discuss your risk management strategy with clients. Please contact your underwriter or environmentalmarketing@gaig.com if there are specific scenarios you would like to see!

Environmental Insider

Check out the latest featured claims scenarios in the Environmental Insider.

Agricultural Business

Agriculture accounts for 70% of the water withdrawn from global ground sources, yet plays a major role in water pollution.

Agricultural Business
Aviation

Have your clients considered the risks associated with their aviation operations? Environmental exposures can present themselves on airport hangars, in nearby storage tanks, and much more.

Aviation
Commercial Lenders

Great American can help protect commercial lenders – empowering financial institutions to not only be made whole in the default of a loan should there be a known environmental issue, but it also affords lenders several options to accomplish this.

Commercial Lenders
Golf Course

Our experts can provide the best by par coverage to help protect against costly financial burdens that can damage a course's reputation and negatively affect your client's bottom line, allowing your insureds to focus on what truly matters: upholding their superior hospitality.

Golf Course
Health Care

While healthcare facilities face environmental risks similar to many large businesses, they must also address industry-specific exposures including Legionella, mold and disposal of hazardous waste.

Health Care
Hospitality

There’s more to your local spots than meets the eye. From tank leaks to hidden contamination, there are a number of environmental risks that could affect your client’s hospitality operations.

Hospitality
Mold

Mold contamination continues to be a hot topic in the world of insurance. There has been an increased number of claims related to mold exposure over the last decade.

Mold
Natural Disasters

The damage caused by natural disasters such as floods, earthquakes, rainstorms and landslides is not always covered under the typical property damage policy.

Natural Disasters
Product Pollution

Manufacturers and distributors of various products can carry the risk of their products causing a pollution condition leading to bodily injury, property damage, and environmental damage.

Product Pollution
Public Entity

Much like commercial and industrial operations, public entities and municipalities may face financially threatening environmental hurdles requiring pollution protection.

Public Entity
Recent Trends

Unlike the focus in the past of regulating known and common environmental contaminants, current trends are to focus on emerging contaminants in order to address initial known problems and prevent anticipated future environmental problems.

Recent Trends
Redevelopment Exposures

Redevelopment of any property carries inherent risks of identifying some pre-existing unknown pollutant.

Redevelopment Exposures
Transportation and NODS

These transportation and Non-Owned Disposal Sites (NODS) situations illustrate the variety of environmental exposures that could affect your customers.

Transportation and NODS
Unprecedented Events

Life is full of unprecedented situations. From natural catastrophes to unexpected robberies, your customers’ business operations face many unpredictable threats that can result in environmental exposures.

Unprecedented Events
Waste Management

Any customer class that owns or operates a landfill, waste treatment unit or a Hazardous Waste Treatment, Storage or Disposal facility is often required to post financial assurance costs to meet the regulatory guidelines.

Waste Management