Using Old Insurance to Cover Investigation and Clean-Up Costs

Written by Steve Henshaw, P.G., President & CEO, EnviroForensics
As seen in the September 2009 issue of Cleaner & Launderer

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I heard from some readers that my last few articles were a little too technical and in addressing those comments, I’ve decided to go back to basics. That is to say, what are basic concerns that dry cleaners have? Since this is the Environmental Corner and staying with that topic, it is my experience that one of those basic concerns that dry cleaners might have deals with the questions,“How am I going to pay for an environmental investigation and clean-up?” Old insurance policies may be an answer.

For years I’ve espoused that business owners need to find their old comprehensive general liability (CGL) policies and store them in a safe, dry and fireproof place. CGL policies were purchased by business owners to cover them against all liability exposures of a business unless specifically excluded. Coverage includes products, completed operations, premises and operations, elevators, independent contractors, to name a few. Note the key words, “unless specifically excluded.” These words are very important in determining whether an individual or businesses old insurance policies can be used to pay for environmental investigations and clean-ups.

Continue reading “Using Old Insurance to Cover Investigation and Clean-Up Costs”

Maybe Its Time to Write Your Congressman

8-10-or-12-Pick a Number…

Written By: Marti Russell, Western Sales Manager, EnviroForensics

At a Bay Area Air Quality Management District (BAAQMD) meeting in San Francisco, California, the Bay Area cleaners learned their recent “proposed” fate.  The 8, 10, or 12 numbers are the newly proposed phase out years for dry cleaning machines that use perchloroethylene (Perc).  Never mind the State feels that perc units can operate safely for 15 years.

This idea of giving years for the phase-out is a result of a directive given to the BAAQMD staff, from the BAAQMD Board of Directors, at a Hearing on March 4, 2009.  I believe the Board’s exact words were that they felt there is “an excessive amount of time” between now and July 1, 2010 (the year perc (15+ old units need to stop being used and or need to be replaced in CA) and the year 2023, (the year perc is totally banned in California).  The BAAQMD wants to see a shorter time span for phasing out perc units, so the magic number will either be all 8-year, 10-year, or 12-year-old perc machines that must stop being used in the air shed monitored by the BAAQMD. Continue reading “Maybe Its Time to Write Your Congressman”