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Claims Scenarios
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.
These grocery store situations illustrate the variety of environmental exposures that could affect your customers.
Great American Environmental is now in Mexico! Partnering with División Daños México, we're now able to write site pollution coverage. Check out our claims scenarios to see all of the environmental risks your clients could face.
These manufacturing facility situations illustrate the variety of environmental exposures that could affect your customers.
These warehouse/distribution facilities situations illustrate the variety of environmental exposures that could affect your customers.
Great American Financial Strength
Great American Insurance Company is dedicated to providing the best coverage and service for brokers and their clients when an event occurs.
Great American Financial Strength The Strength of Specialization
Dedicated Service - Making Good, GREAT
See how our steadfast commitment to customer service distringuishes us from the industry.
Environmental Services Product Video Series A Legacy of Great
Environmental Insider
Environmental Insider was created for brokers like you, as a source of ideas and innovations to help you grow your business. Our newsletter consists of new information regarding our products and programs, relevant industry trends, informational content on claims and environmental risks, letters from leadership, and more! Subscribe if you want to be the first to have access to our new editions as soon as they’re released.
Great American Environmental Announces New Coverage for Products Pollution
The Environmental Division of Great American Insurance Group is pleased to announce the newest addition to its suite of environmental products. Products Pollution is specifically designed for manufacturers and distributors of various products including but not limited to paints and chemicals, metal goods, automotive parts, machinery and machinery parts, plastic and rubber goods, and other commercial products.
Often excluded from an insured general liability coverage, the Products Pollution policy provides coverage for loss and clean-up costs as a result of a claim for bodily injury, property damage or environmental damage because of a pollution condition caused by the insured's product.
Coverage applies when the product has been put to its intended use by a person or entity that's not an insured and also applies to a pollution condition caused by the insured's product during transportation by a third party.
"With any new product or service we develop, we are crafting it with client needs as the driving factor," said Rick Ringenwald, Environmental Division Vice President and Executive Underwriter. "We heard the need for a standalone products pollution offering and knew it was necessary to provide our brokers with an option that fills the gaps a general liability of site pollution form may have."
Policy benefits include coverage provided on occurrence or claims made basis and for gradual, sudden and accidental events. Legal expense is provided within the limit of liability.
The policy broadly defines who is an insured, and the definition of bodily injury includes building related illness, and medical and environmental monitoring. The definition of property damage includes natural resource damages as well.
Coverage Details
- Limits of Liability up to $5 million
- Policy term of one (1) year
- $5,000 minimum premium
- Applies to products in the U.S.
Coverage includes compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments, where insurable by law within the definition of loss.
As with all of product offerings, the division's dynamic team structure allows for swift decision making and support of the growth of our specialty coverages, products, and program business. Great American's Environmental Division will continue to offer its current broad suite of site pollution and contractor's pollution/professional and specialty environmental products such as Closure and/or Post Closure and site pollution for commercial lenders for any interested insured on an open brokerage basis.
"With any business decision the division makes, the first priority is always to maintain the service-oriented, collaborative culture that differentiates us in the industry and sets Great American apart," said Mark Vuono, President of Great American's Environmental Division. "As we work to best support our brokers, our goal is to ensure our suite of product offerings continues to exceed brokers' and clients' expectations."
Great American Environmental is a strong, respected carrier committed to strategic growth within its established markets through the addition of relevant and valuable coverage for clients. Great American's Environmental Division can capitalize on the fact that while the division has become larger, stronger and more flexible than any point in its history, its culture and values have not changed. Even as the division continues to grow, the commitment to maintaining its values-based, collaborative culture remains at the forefront of our business strategy.
Underwriting Contact:
Rick Ringenwald; [email protected]
Media Contact:
Kelsey Hill; [email protected]
Ineligible products for this coverage include cosmetics, products that can be ingested, talcum powder, medical products (non-invasive), nutraceuticals, pharmaceuticals, turf fields, gym floors, PFAS, products containing benzene, etc.
Submission Requirements
- Completed Products Pollution Liability Application
- Five (5) years of GL, EIL, Products Liability, or Products Pollution Liability loss runs (including spills or environmental losses that may not show on loss runs)
- Details regarding Warranty and Quality Control program for the product
- Product brochures
- Product liability risk control surveys
- Safety Data Sheets, if applicable
- Past two (2) years of audited financial statements
Great American's Environmental Division is comprised of a team of experts who can help uncover the hidden risks in your clients' operations and develop a custom program to help protect them. We offer coverage to a wide variety of commercial operations - for both new and historical conditions, both on and off-site, and for gradual and sudden events.
Our smart underwriting, swift claims handling and exceptional service has allowed us to become the provider of choice for our clients and one of only a handful of carriers to serve the industry for nearly a dozen consecutive years. Great American's dedicated Environmental Division is proud to work with you on what we value the most: keeping your business strong, and in turn, our world clean for generations to come.
- Environmental
Industry Webpages
Think beyond the obvious. Environmental exposures are lurking in many different kinds of work and industries. We put together our industry webpages to compile all the information relating to your client’s work. Take a look to see the various environmental hazards facing your client’s operations and our streamlined, tailored solutions.
Product Video Series
Our following product videos illustrate how obtaining a policy from Great American can halt environmental protection concerns by providing a clear, consistent and competitive solution. When you need responsive insurance services, you can count on us to deliver tailored solutions fast—allowing your clients to stay focused on what matters most: the success of their business.
Premise Product Video
Within essentially every industry, you will find some degree of environmental pollution exposure. A Premise Environmental Liability (PRE) policy from Great American provides protection against environmental liability resulting from pollution conditions associated with a covered location.
GLIDER Overview Video
GLIDER is Great American’s specialized Commercial General Liability insurance program, enhanced with environmental protection coverage. It’s designed for businesses with environmental exposures due to operations, processes, or products—offering robust protection for fixed-site facilities and contractors.
TankAssure Demo Video
Did you know many owners of underground storage tanks are required by the U.S. EPA to provide financial assurance to pay for corrective action or third party liability that results from a release? Our TankAssure program provides coverage for much more than meeting financial assurance requirements. Get your quote in minutes using our fast, easy and efficient quoting platform!
Contractors ProProtect Video
Contractors ProProtect is Great American Environmental’s unique insurance program built for contractors. It offers both pollution and professional liability coverage, making it a comprehensive and cost-effective solution to meet your clients’ contractual obligations.
Great American Environmental Division Rewards
As a special token of our appreciation, you're invited to participate in the GREAT AMERICAN REWARDS PROGRAM- an exclusive program for our qualifying brokers and agents.
Riskopolis Series
At Great American, we recognize the challenges that professionals of all kinds face in various lines of work. Whether your clients are operating at a warehouse, waste management facility or construction site, exposures can result in extensive clean-up costs and legal expenses.
Let us help reveal these hidden risks! Great American Environmental’s Riskopolis Series uses an interactive, illustrative platform to provide examples of the variety of exposures, specific to your client’s operations that may be financially threatening to businesses.
Manufacturing and warehouse/distribution facilities face a wide range of risks that can disrupt operations, damage processes, and compromise products. Yet, traditional general liability policies often exclude environmental exposures from coverage. The GLIDER Riskopolis highlights real-world scenarios where GLIDER can deliver comprehensive protection, bridging the gap between general liability and pollution liability.
Multipurpose buildings face a variety of environmental and health risks, from mold and asbestos to chemical spills and vapor intrusions. These scenarios emphasize the importance of proactive safety measures to protect your client’s tenants. Explore our Interior Risks Riskopolis to learn about these hazards.
The services provided by contractors in our local communities are essential for our everyday security and comfort, from maintaining our homes and offices to upholding infrastructure. The Contractors ProProtect Riskopolis showcases some potential pollution and professional liability risks facing small contractors.
Discover What We Cover: A Great American Environmental Podcast
Great American’s Environmental Division has a podcast for environmental brokers! Our episodes cover numerous topics ranging from industry trends to environmental insurance FAQ’s.
April 21, 2026 - In episode sixteen of Discover What We Cover, we’re joined by Director of Underwriting and Senior Divisional Vice President Eric McCabe, along with Environmental Casualty Practice Leader Becky Biermann, as they explain why companies seeking general liability (GL) coverage should consider a pollution‑focused carrier, especially when seeking a combined GL and pollution form. We discuss how traditional GL policies often exclude pollution exposures, why many companies underestimate their environmental risks, and how a pollution‑led combined GL form delivers more comprehensive solutions in the event of a potentially financially devastating pollution incident.
March 11, 2026 - In episode fifteen of Discover What We Cover, we’re joined by Loss Control Manager, Paul Scian, along with Senior Loss Prevention Consultants, Randy Copenhaver and Sarah Pong, for an inside look at the fast‑paced world of risk control. They break down how our in‑house risk engineering team directly supports our underwriters, which translates into more customized and detailed coverage for our clients.
November 10, 2025 - In episode fourteen of Discover What We Cover, Divisional Assistant Vice President and Head of Communications, Kelsey Hill, returns for an insightful conversation with Environmental Casualty Practice Leader, Becky Biermann, as they explore our division’s newly launched Commercial General Liability and Environmental Protection Policy and discuss the key distinctions between traditional General Liability coverage and the advantages of a combined General Liability and Pollution policy.
July 15, 2025 - In episode thirteen of Discover What We Cover, Divisional Assistant Vice President and Head of Communications, Kelsey Hill, and Production Underwriter, Bjorn Gundersen, joins us to cover Great American Environmental’s newest solution for small business contractors—Contractors ProProtect—and explore its fast, user-friendly online quoting platform.
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Technical Whitepapers
Our technical whitepapers provide in-depth analysis, research and practical guidance on key industry topics. Designed for professionals who want to stay ahead, these resources deliver actionable knowledge and innovative solutions. Explore them to gain clarity, make informed decisions and drive success.