Premises Environmental Coverage (PEC)

PHLY E&S Premises Environmental Coverage (PEC) protects insureds from claims for bodily injury, property damage, natural resource damages, and from remediation expenses associated with the release of contaminants into the environment.

Benefits of the Program

PHLY's Premises Environmental Coverage (PEC) provides comprehensive environmental protection for many different classes including: agriculture, education, manufacturing, waste disposal, healthcare, habitational, distribution, warehousing, retail, commercial, development, municipal and other risks.

  • Remediation Coverage on and off site (discovery and third party triggers)
  • Third Party Bodily Injury and Property Damage
  • Natural Resource Damages
  • Defense Expense
  • Image Restoration
  • Emergency Expense
  • Illicit Abandonment
  • Business Interruption
  • Above and Underground Storage Tanks
  • Indoor Air Quality including Mold, Legionella, Asbestos, and Lead Paint
  • Transportation
  • Non-owned Location coverage (for disposal sites)

Coverage & Capacity

  • Up to $25M per occurrence/ $25M aggregate

Underwriting Contact

Michael Henk, AVP & Product Manager

Michael.Henk@phly.com

For new business inquiries, please call 855.585.6322 or submit an application to: ESsubmissions@phly.com.

Target Classes

  • Manufacturing
  • Chemical Blending and Packaging
  • Warehousing and Terminal Operations
  • Convenience Stores and Service Stations
  • Habitational Real Estate
  • Healthcare
  • Commercial Real Estate
  • Educational Real Estate
  • Agricultural and Recreational
  • Waste Industry

Unacceptable Classes

  • Petroleum production
  • Refining
  • Pipelines
  • Mining exposures
  • Large petrochemical plants
  • Dry cleaners
  • Resorts
  • Coal-fired power plants

Documents Required for Proposal

  • Completed and signed PEC application or competitor's application
  • Last 3 years of Environmental loss runs, if none, then 3 years of GL and Property loss runs
  • Property Statement of Values

Policy Forms

Please select state specific forms when applicable.

Financial Security

  • AM Best rated A++
  • Standard & Poor's Assigned A+

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