Environmental Insurance Concerns

Environmental insurance concerns with regards to environmental conditions: Environmental factors that caused or contributed to the accident can be addressed by using this basic checklist of risk management areas of concern.

1. Illumination: Too much or too little light producing a negative influence on vision. Key Words: bright, dark, dim, glare, or light.

2. Precipitation: Climatic precipitation that has a negative influence on human or machine performance. Key Words: condensation, fog, frost, hail, ice, mist, rain, sleet, or snow.

3. Contaminants: Natural or manmade elements that render material or the environment unsatisfactory for human or machine use and have a negative influence on performance. Key Words: carbon monoxide, chemicals, dust, foreign objects/debris, fumes, gases, impurities, mists, smog, smoke, toxic materials, or vapors.

4. Noise: Unwanted sound that produces hearing loss, disturbs/distracts attention from the task at hand, or interferes with communication. Key Words: bang, din, explosion, shout, or static.

5. Temperature/Humidity: Extremes of heat, cold, and humidity that have a negative influence on human and machine performance. Key Words: burn, chill, cold, freeze, heat, hot, numb, scald, scorch, or steam.

6. Wind/Turbulence: Natural or manmade air movement that has a negative influence on human or machine performance. Key Words: blow, blast, gust, storm, or turbulence.

7. Vibration: Repeated/periodic motions that have a negative influence on human or machine performance. Key Words: bounce, buck, bump, jar, jolt, oscillate, roll, shake, vibrate, shimmy, sway.

8. Radiation: Radiant energy emitted in waves or particles that have a negative influence on human or machine performance. Key Words: radiation, radio waves, or x-rays.

9. Work Surface: Conditions (excluding precipitation) of natural or manmade work surfaces on which personnel and machines operate that have a negative influence on performance. Key Words: holes, inclines, rocky, rough, rutted, slippery, steep, or uneven.

10. Air Pressure: Sudden or gradual changes in air pressure that have a negative influence on human or machine performance. Key Words; altitude, bends, blast, boom, chokes, explosion, or hypoxia.

11. Electricity: Natural or manmade electric current that have a negative influence on human or machine performance. Key Words: burn-out, electrocute, discharge, ground, lightning, shock, short, or static.

Commercial Insurance Quotes