The Navigators Group says its principal underwriting agencysubsidiary, Navigators Management Company, Inc., has released a newenhanced Environmental Contractor's Pollution Liability “ToolkitII” policy form. This new policy is designed to providestate-of-the-art coverage from liabilities for pollution incidentsto a wide variety of general service, specialty and tradecontractors.

“There is a growing demand for intelligent risk transfersolutions for increasingly complex environmental exposures andregulations faced by contractors,” said Brad Kuchinic, senior vicepresident and practice leader for Navigators Environmental. “Tomeet this demand and better serve our clients, we recognize theneed for our policies to adapt and evolve to these emergingliabilities.”

Key policy coverage features include:

• Limits available up to $15 million
• Single, broad, all-encompassing Insuring Agreement for “YourWork” which includes contracting, transportation, and wastedisposal on an occurrence trigger
• Coverage offered on a practice or project specific basis
• Defense costs outside the limits and not subject to adeductible
• Broad definition of “pollutants/pollution incidents” to includesilt and sedimentation, fungus, midnight dumping, EMFs, low-levelradioactive matter, and wrongful delivery
• Worldwide coverage territory
• No professional liability exclusion and givebacks to manystandard policy exclusions
• Sudden and accidental coverage at the contractor's ownedpremises
• Protection for Environmental Crisis Management and EmergencyResponse Costs
• Restoration costs expanded to include betterments entailing theuse of materials meeting green standards

The Navigators Group is an international specialty insuranceholding company with insurance company operations, underwritingmanagement companies, and operations at Lloyd's. Headquartered inNew York, Navigators has offices in major insurance centers in theUnited States, the United Kingdom and Continental Europe.