Assess whether pollution coverage should be site-specific or blanket (f3ffe1)

Situation

Fleet MVRs and telematics exception list arrived with a Phase I ESA with a recognized environmental condition for commercial property underwriter. That is a Insurance Underwriting Specialty Liability decision on pollution coverage should be in a middle-market account hitting umbrella attachment.

Decision

Commercial property underwriter in a middle-market account hitting umbrella attachment must choose Pollution coverage should be site-specific / Blanket using fleet MVRs and telematics exception list after a Phase I ESA with a recognized environmental condition.

Hypotheses to test

• Fleet MVRs and telematics exception list reads as Pollution coverage should be site-specific once a Phase I ESA with a recognized environmental condition is lined up to the same Insurance Underwriting population.
• Fleet MVRs and telematics exception list is closer to Blanket after a Phase I ESA with a recognized environmental condition; Pollution coverage should be site-specific would over-claim this Specialty Liability extract.
• A dual reading is still live in fleet MVRs and telematics exception list for commercial property underwriter in a middle-market account hitting umbrella attachment.
• Fleet MVRs and telematics exception list is missing the fact commercial property underwriter needs after a Phase I ESA with a recognized environmental condition; stop this Insurance Underwriting close.

Analysis required

• Test exposure, limits, and endorsement language in fleet MVRs and telematics exception list after a Phase I ESA with a recognized environmental condition.
• Flag any accumulation fact fleet MVRs and telematics exception list does not price.
• Compare treaty versus facultative treatment for the risk pollution coverage should be names.
• For this Insurance Underwriting Specialty Liability file, read fleet MVRs and telematics exception list against a Phase I ESA with a recognized environmental condition and write the one fact that would move pollution coverage should be for commercial property underwriter.

Recommendation

Choose Pollution coverage should be site-specific / Blanket on this Insurance Underwriting / Specialty Liability packet (fleet MVRs and telematics exception list after a Phase I ESA with a recognized environmental condition). The follow-on Specialty Liability action is what commercial property underwriter does next: implement the option, assign an owner, and log the missing fact.