Environmental Insurance

Custom solutions to manage pollution and other risks.

Environmental insurance to protect your business and assets.

Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.

The cost of environmental damage to businesses.

These days, businesses face tougher environmental laws and greater public scrutiny. So, when your business accidentally causes pollution, contamination, or other environmental damage, it can be costly all around.

Areas where business insurance alone is not enough.

The loss of business and replacement or repair of your business’ equipment is a hefty price in itself, but your business could also face damages for the clean-up operation. Usually, these types of costs are not covered by general business liability insurance, so you’ll need a specialist environmental insurance policy to protect your business.

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Environmental Insurance

Reasons why your business should have environmental insurance.

Environmental insurance is particularly essential if you face long-term risks, such as historic contamination that results from business operations in the past, but causes damages now. Many environmental insurance policies also cover the costs of defending claims, whether or not they result in a damages award. Additionally, holding environmental insurance for your business can even be a great public relations move–it shows you’ve given thought to the risks and have taken the advice insurers offer to reduce the likelihood of an incident.

Some policies automatically update along with regulations.

Look out for environmental insurance policies that are automatically updated to reflect changes in the rules and amounts that apply to damages for breaching environmental regulations.

Not sure if environmental insurance is a good fit for your business? We can help you determine if it’s necessary.

Environmental Insurance

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Bringing Kindness to Pennsylvania

With two offices in Lemoyne, PA, The Kind Insurance is proud to serve clients throughout Pennsylvania. We are also licensed to serve clients in over seven other states.

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As an independent agency, we are here to help you find the right Environmental Insurance coverage.
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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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