Alliant Public Entity Environmental Liability (APEEL)

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Alliant Public Entity Environmental Liability (APEEL) Insurance Program

Alliant Insurance Services created the Alliant Public Entity Environmental Liability (APEEL) Insurance Program to provide a wide range of public entities with a broad range of pollution liability protection for gradual—as well as sudden and accidental—first-party and third-party environmental losses.

APEEL provides public entities with a single comprehensive policy that includes coverage for premises, covered operations, transportation, bodily injury/property damage from pollutions conditions, pollution clean-up, and both above-ground storage tanks (ASTs) and underground storage tanks (USTs). Coverage includes fixed-site pollution for owned locations, as well as off-site covered operations common to public entities.

APEEL Program Information

Minimums

Minimum premium: $6,000
Minimum self-insured retention: $10,000

Limits

Limits available up to $20 million per claim/ aggregate (inclusive of defense)
Split limits available

Typical Client Profile

Schools: Any educational facility, including K–12, adult education, training facilities, and higher education facilities
Transit authorities: Bus, taxi, department of transportation, and railway transit authorities
Water/wastewater facilities: Municipal water and/or wastewater treatment facilities
Utilities/power cooperatives: Municipal utility and/or power cooperatives
Cities and counties: All properties and operations for cities and counties
Parks and recreation facilities: All facilities owned, operated, or managed by a municipal parks and recreation department
Special districts: Municipal risks that are homogenous in their exposure basis. Includes all other municipal operations not listed in the risk classes above, including:

Fire departments
Police departments
Administrative support facilities
Maintenance facilities for municipalities
Community recreation facilities
Public works (not included within parks and recreation)

Restricted Classes or Industries

Ports and port authorities
Airports
Landfills and/or recycling centers
Oil- and gas-producing properties/assets

Above-Ground and Underground Storage Tanks (ASTs and USTs)

ASTs

Blanket coverage on a primary basis
Financial assurance coverage for select ASTs where required by the state

USTs

Blanket coverage excess of a state UST fund or other primary UST insurance policy provided the USTs meet specified underwriting guidelines
Financial assurance for select USTs where required by the state

Key Competitive Advantages

Single comprehensive policy that includes coverage for premises, covered operations, transportation, bodily injury/property damage from pollutions conditions, pollution clean-up, ASTs, and USTs
Financial assurance coverage available for ASTs and USTs
Unlimited number of ASTs and USTs may be included within an APEEL program policy
Ability to cover properties acquired by mid-term endorsement
Coverage available for claims arising from non-owned disposal sites
Coverage available for claims arising from fungi, lead-based paint, and asbestos
Experienced, dedicated, and responsive underwriters with strong experience in environmental risks, as well as the unique needs of the public entity sector
Dedicated claims and risk control services

For more information, contact:

Shawn Kraatz

(949) 660-1818

Bill Nellen

(770) 325-6655

The Specialty Leader Since 1925

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