Insurance Support:  From Controlling Claims Costs to Prevention and Planning


Environmental emergencies and pollution liability claims can cost insurance companies not only shocking amounts of money, but time, energy and focus.  The professionals at Highlands Environmental Solutions have earned the respect and reliance of many major insurance carriers because of our proactive, solutions-based approach that controls both costs and minimizes impacts to claims managers.
 
Based on the results of surveys insurance carriers awarded HES with the prestigious A.M. Best “BestMark” for outstanding service and support to the industry.  Comments on the surveys included the comments: "Timely, efficient and reasonable" and "Excellent and timely service.”  Major insurance carrier, EMC said the following about HES:  “EMC considers HES an extension of our business and will continue to utilize them for environmental project support going forward.  We recommend HES to our insureds and would recommend HES to other insurance companies who underwrite environmental policies as a leader in their field providing environmental services…”
 
In addition to direct claims support for incident remediation and closure, Highlands Environmental Solutions also offers third party reviews, training, and environmental audits (Click here for more information.) Insurance companies can request these audits before, during, or after work done on a claim by another consultant or contractor.  Because many people are unfamiliar with the procedures and science behind what we do, some competitors practice what may be seen as predatory billing practices using rates and equipment charges that are simply not necessary to get the job done right.  Likewise, other companies may recommend endless monitoring of situations that are best solved more quickly by more efficient methods.  We can and do provide alternatives that can be more cost effective.
 
Smart insurance companies are starting to require their insureds to take training classes on prevention and preparation for emergency response scenarios.  Highlands Environmental Solutions is ready to help. Our courses help prevent claims, reduce the cost and severity of claims, and minimize the overall environmental impact of an insured’s incident.  HES often presents these courses in a “Lunch and Learn” format with local agents from your company, during which they can assist their insureds to secure the proper insurance coverages, and verify that their employees know what to do if they have an incident.
 
Here are a list of services that we offer to insurance companies:

  • Rapid response during emergency situations, and a commitment to solving problems as quickly as possible
  • Audits and cost containment of environmental remediation projects, with documented regulatory closure to prevent long-term liability
  • A variety of courses and table top exercises for insureds to participate in
  • Planning and prevention services, such as Spill Prevention Control and Countermeasures (SPCC) Plans, Stormwater Pollution Prevention Plans (SWPPP), and custom tailored documents as needed
  • Third party review and/or audits of contractor and consultant reports, response activities, invoices, etc.
  • Litigation support for legal challenges
  • Environmental forensic evaluations to assist in the positive identification and apparent age of the contaminant, and possible source (this could get your insured “off the hook”)

 

A.M. BEST EXPERT SERVICE PROVIDER

Based on the results of surveys insurance carriers awarded HES with the prestigious A.M. Best “BestMark” for outstanding service and support to the industry.  Comments on the surveys included the comments: "Timely, efficient and reasonable" and "Excellent and timely service.”  Major insurance carrier, EMC said the following about HES:  “EMC considers HES an extension of our business and will continue to utilize them for environmental project support going forward.  We recommend HES to our insureds and would recommend HES to other insurance companies who underwrite environmental policies as a leader in their field providing environmental services…”

thiRD PARTY REVIEWS

In addition to direct claims support for incident remediation and closure, Highlands Environmental Solutions also offers third party reviews, training, and environmental audits (Click here for more information.) Insurance companies can request these audits before, during, or after work done on a claim by another consultant or contractor.  Because many people are unfamiliar with the procedures and science behind what we do, some competitors practice what may be seen as predatory billing practices using rates and equipment charges that are simply not necessary to get the job done right.  Likewise, other companies may recommend endless monitoring of situations that are best solved more quickly by more efficient methods.  We can and do provide alternatives that can be more cost effective.