Introducing GLIDER (General Liability Insurance + Dedicated Environmental Risk)

Great American Environmental Announces New Commercial General Liability and Environmental Protection Policy

Meet GLIDER^SM: One Policy that Combines General Liability and Environmental Protection for Fixed-Site Risks.

The Environmental Division of Great American Insurance Group is pleased to announce the newest addition to its suite of environmental products. GLIDER (General Liability Insurance + Dedicated Environmental Risk), a single, integrated policy that unites ISO-based commercial general liability with site-specific pollution liability. Designed for sectors such as manufacturing, chemical processing, waste management, and more, GLIDER delivers coordinated protection for both traditional and environmental exposures—and it's developed by underwriters with deep expertise in pollution risks alongside GL coverage.

GLIDER combines ISO-based commercial general liability coverage with site-specific pollution liability protection, offering a comprehensive and flexible policy for a wide range of industries. 

“Most combined GL/pollution offerings in the market are led by GL underwriters who may not have deep expertise in environmental risk,” said Eric McCabe, Divisional Senior Vice President and Director of Underwriting for Great American’s Environmental Division. “GLIDER is different. Our policy is crafted and underwritten by career pollution specialists who assess the full exposure profile—operations, products, premises, contracting operations, and transportation—so insureds get a cohesive, tailored product, not a bolt-on. That specialist view, paired with our in-house claims and risk engineering teams, is what makes GLIDER work in the real world.”

What Makes GLIDER Different

• Specialist Underwriting First: Led by experienced pollution underwriters who evaluate environmental and casualty hazards together—resulting in a more accurate, exposure-aware structure and terms.
• Flexible Core, Comprehensive When Needed: The core GLIDER form already provides substantial GL + site pollution protection. When your client’s risk profile warrants more, our pollution specialists can tailor the core form-via targeted endorsements, site schedules, and refined definitions-to deliver comprehensive site coverage, guided by the environmental information you provide or co-develop with us.
• Easier Resolution for Fortuitous Events: Our in-house claims, risk engineering, and pollution underwriting teams operate as one unit, providing rapid triage, coordinated response, and clear communication. Vendor management, regulatory interactions, and documentation are streamlined, and incidents move to closure efficiently.
  

Limits & Key Terms

• Standard limits: $1M per occurrence / $2M general aggregate (GL); one‑year policy term; $15K minimum premium.
• Available up to: $5M Each Occurrence (GL), $5M Each Loss (Pollution Legal Liability), $5M Products–Completed Operations Aggregate, $5M General Aggregate, $2M Personal and Advertising Injury, $300K Damage to Premises Rented to You, $25K Medical Expense.
• Additional broker-friendly features: First‑dollar deductible option for GL; Non‑Auditable policy; Blanket Waiver of Subrogation wording; optional defense outside the limit (additional 25%); 90‑day automatic / 3‑year optional extended reporting period for claims‑made grants; Cumis counsel where entitled by law (with enhancement to delete choice of law, jurisdiction, and venue).

Target Classes

Ideally suited for primary and fabricated metals; chemicals and allied products; rubber and plastics; stone, clay, glass, and concrete; industrial and commercial machinery; sewage and sanitary services; refuse systems; and recycling centers.

Submission Requirements

Application for General Liability/Site Pollution and five years of loss runs.

Underwriting Contact

Becky Biermann
[email protected]

Marketing Contact

Kelsey Hill
[email protected]

Great American's Environmental Division

As a member of Great American Insurance Group since 2008, the Environmental Division has provided environmental insurance solutions that allow businesses to effectively and efficiently manage risks that may threaten their financial security. We are 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. The Division’s commitment to a values-based, collaborative culture remains at the forefront of its business strategy. Great American is one of only a handful of carriers to serve the industry for over a dozen consecutive years.

About Great American Insurance Group

Great American Insurance Group’s roots go back to 1872 with the founding of its flagship company, Great American Insurance Company. Based in Cincinnati, Ohio, the operations of Great American Insurance Group are engaged primarily in property and casualty insurance, focusing on specialty commercial products for businesses. Great American Insurance Company has received an “A” (Excellent) or higher rating from the AM Best Company for more than 115 years and is currently rated “A+” (Superior). The members of Great American Insurance Group are subsidiaries of American Financial Group, Inc. (AFG), also based in Cincinnati, Ohio. AFG’s common stock is listed and traded on the New York Stock Exchange under the symbol AFG. 

For agent/broker distribution only. Great American Insurance Group, 301 E. Fourth St., Cincinnati, OH 45202.  The insurance products described may not be available in all states. Coverage description is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Policies are underwritten by American E&S Insurance Company, an OH domiciled surplus lines insurer, eligible to underwrite surplus lines insurance in all 50 states and the DC. This is not intended as a solicitation or offer to sell an insurance product in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.