ECC Horizon We Stand With You We settle property pollution claims by resolving regulatory liabilities, reducing indemnity repair costs, controlling emergent damages, and guaranteeing closure outcomes. Through our innovative solutions, we help insurers, risk managers, and policyholders find predictability in a complex risk marketplace.
Total solutions for a changing world.
• • • •
Claim Settlement Claim Consulting Site Remediation Loss Control
• • • •
Litigation Support LSRP Services Risk Products Emergency Response
We Are Everywhere Our people operate in every market in the U.S. Do you have an emergency spill in a remote region? We’ll be there immediately. Need control at a distant claim site? Our specialty adjusters take instant command. Want a reserve and exit strategy right now? Our experts quickly assess damages, guarantee resolution, and deliver.
Corporate Office 877-488-4242 • ecchorizon.com • info@ecchorizon.com • One Emery Ave, Randolph, NJ 07869
Who We Are Founded in 1990, ECC Horizon is one of the leading environmental claim settlement and risk management organizations in the U.S. The firm’s activities include insurance liability resolution, loss control, remediation, project management, claim investigation, and other specialized environmental services. In this site, you will find information about our expert claim settlement and cost control services. And you will learn about our 25 years of growth in managing property pollution liabilities and risks. But our success isn’t simply based on our expertise. It comes from our dedication to the following core principles:
HONESTY We believe that personal character informs professional conduct. We believe that balanced settlements should be based on rigorous standards of objectivity, transparency and disclosure. We are observers of fact. As impartial examiners of evidence, we look for logical consistencies to promote informed decision-making and beneficial action.
INTEGRITY We adhere to the scientific method; gathering objective and empirical evidence. We do not select facts in pursuit of predetermined outcomes or argue for the interests of one party over another. Instead, we sift through often contradictory, ambiguous and inconsistent data to identify coherent patterns of information leading to supportable conclusions.
FAIRNESS Our purpose is to take actions and reach conclusions that are unbiased and rational. In weighing evidence, we strive to provide advice that is balanced, tolerant of imperfect information, sensitive to variation and cognizant of countervailing data.
TRUST Our clients and partners rely on us to advise them prudently, represent facts accurately, and prevail in discussions of evidence and science. They depend on us to treat them, their customers and stakeholders with dignity and respect. We are gratified that after years of service we remain their trusted experts, respected advisors and reliable partners. We hope the information in these pages encourages you to consider ECC Horizon for all of your property pollution and environmental liability needs.
Our History In 1986, ECC Horizon began operations as the environmental remediation division of a New Jersey real estate development company. Charged with cleaning up contaminated property for future construction projects, ECC Horizon became expert in solving its parent company’s environmental liabilities. As a result of its success in settling property pollution impairments, the firm soon found itself serving other land developers and industrial companies throughout the region. The reason for this growth was simple; as a property owner skilled in solving its own risk exposures, ECC Horizon understood its clients’ need to resolve their liabilities just as effectively. By 1990, ECC Horizon had become an independent environmental consulting and remediation company with a broad range of commercial and industrial clients. In 1991, ECC Horizon received its first property pollution claim assignment from an insurer. The goal was to gain control over a remediation project that had become increasingly costly. After quickly resolving the claim, the firm realized that its remediation and management expertise made it uniquely suited to resolving the most complex pollution liabilities for insurers and policyholders alike.
“At the end of the day, we’re only as good as our last settled claim. That’s why every decision we make to repair a damage and resolve a liability is the most important decision we’ve ever made. It’s what defines us and drives us to succeed.” MARK THOMASES • MANAGING DIRECTOR
Today, ECC Horizon remains committed to its role as one of nation’s leading providers of environmental claim settlement, adjustment and risk management services. And it continues to find innovative new solutions, as well as opportunities, for its partners and clients in the risk resolution marketplace.
The Numbers Tell Our Story
Go Anywhere Program As a claims professional or corporate risk manager, how do you find the right experts and vendors to help you handle environmental claims around the country? Do you review local vendor directories and guess? Do you let someone else choose? Who do you call for references? Who can you trust? And what are you paying for travel time to the site? For busy insurance and risk professionals, there’s never been an easy solution ... until now.
First in the Nation ... No-Cost Travel When you call ECC Horizon, our experts will travel to your claim site anywhere in the nation at no charge. That’s right! No charges for travel-related labor, airfare, housing or other services during the life of your claim. We simply treat every claim site as if it’s just around the corner.
Everywhere is Just Around the Corner! Enjoy the convenience and consistency of ECC Horizon’s nationwide program for handling environmental claims wherever they occur. From site investigations to remediation oversight and cleanup management, you can count on our experienced experts to handle your case quickly and cost-effectively.
“At ECC, we’ve got the experience that comes with settling claims for more than 25 years. But we also have the energy and passion of a startup company. It’s a great environment for success.” PATRICK CAULFIELD • REGIONAL DIRECTOR
Our claim response teams are available 24 hours a day, 365 days a year. We take the uncertainty out of handling long-distance property pollution claims. With ECC Horizon’s nationwide travel program, “Everywhere” is just around the corner!
Claim Services ECC Horizon’s 25 years of experience delivering liability exit-strategies and controlling claim costs makes us the ideal partner in our clients’ enterprise-wide insurance settlement and risk management programs.
Claim Settlement Modeling We have proven systems that predict the costs, probabilities and time-frames for settling complex property pollution claims involving multiple variables. We give insurers and policyholders effective tools for reliably anticipating and controlling future outcomes.
Claim Settlement Cost Control Since 1991, our full service site remediation division has reduced environmental cleanup obligations for insurers and policyholders by more than $1 billion. Through our informed work with regulators and cost-effective remedial solutions, we develop settlement strategies that eliminate unnecessary effort and excessive costs. Whether a claim is caused by a simple spill or a catastrophic contamination, we settle the resulting liabilities efficiently, economically and predictably.
Claim Settlement Adjusting & Auditing We evaluate claim settlements to determine whether the associated repairs are necessary, properly rendered and appropriately charged. Our work is supported by ECC Horizon’s national database of usual and customary pricing for environmental services throughout the U.S. This vendor pricing survey is an important tool for adjusting compliance activities, evaluating claim progress and predicting future settlement results.
Forensic Cause & Origin Investigations Using proven scientific and engineering methods, our forensic experts precisely identify the cause and origin of environmental conditions, as well as their occurrence time-frames. Whether claimed damages result from mechanical failure, human error, normal wear or other fault, we provide the evidence needed to identify causation, establish liability, allocate costs, and succeed in subrogation against responsible parties.
Claim Services Remediation Cost Control When claim settlement depends on the work of independent service providers, we direct and manage their compliance services to ensure they are necessary, properly rendered and appropriately charged. We confirm that every activity proceeds according to agreed costs, and in the best interests of policyholders and funding sources alike.
National Adjustment & Auditing We maintain the nation’s only database of usual and customary pricing for environmental services. This essential resource is regularly updated by our researchers, and is a vital tool for adjusting vendor proposals and invoices covering any remedial service. As a comprehensive survey of pricing throughout the country, our adjusters rely on the database to develop cost-effective compliance strategies and analyze each vendor’s operations.
Subrogation & Allocation We analyze technical information to accurately identify the parties responsible for pollution damages. Where multiple parties are involved, we assess physical conditions to allocate liability equitably and proportionally. Our experts are skilled in identifying dispositive evidence to show clear and compelling patterns whenever definitive proofs are required.
Loss & Expense Analyses Our expert teams precisely allocate expenses and indemnity costs to settle claims equitably and to provide vital information about our clients’ management processes and case outcomes.
Emergency Response We provide round-the-clock services to resolve emergency roadway spills, facility discharges and other pollution events in every region of the country. Our in-house experts travel 24/7 without charge anywhere in the U.S. For emergent claims, our primary goals are to: 1. Establish early control over cleanup costs 2. Identify claimed damages 3. Assess liability 4. Avoid unnecessary response activities 5. Cost-effectively repair qualified damages Under our “Go-Anywhere” program, we mobilize to claim sites throughout the U.S. with no charge for travel-related labor and other expenses during the life of the claim. We simply consider every project to be ‘just around the corner’.
Indoor Air Remediation Indoor air contamination can increase environmental liabilities and the associated costs of repair. We regularly use efficient remedial technologies to resolve these complicating conditions. Our low-cost abatement methods typically include vapor mitigation, sub-slab depressurization and vapor intrusion coating, among other remedial strategies.
“Our job is to analyze the technical and regulatory details in each case to the find hidden solutions. The devil is always in the details, and the details always provide the answers.” PETER SMITH • TECHNICAL DIRECTOR
Site Remediation Full Service Site Remediation As a full service site remediation company since 1991, we have reduced environmental cleanup obligations for insurers and policyholders by over $1 billion. Through informed dialogue with regulators and cost-effective remedial methods, our experts develop strategies to avoid unnecessary effort and eliminate excessive costs. Whether a claim is caused by a simple spill or a catastrophic contamination, we settle the liability efficiently, economically and predictably.
Groundwater Remediation Persistent groundwater contamination is often the most costly obstacle to settling environmental liability. In some cases, groundwater conditions are best resolved through periodic monitoring, property use restrictions or protective barriers. In other instances, active treatment and remediation is the better solution. When cleanup is required, our cost-effective strategies avoid long-term compliance costs. We use a variety of advanced technologies to settle groundwater liabilities including:
• Biosparging • Carbon Adsorption • Chemical Oxidation • Bioventing
• Aerobic/Anaerobic Bio-degradation • Dual Phase Vacuum Extraction • Reactive Barriers
Soil Remediation Contaminated soil is among the most common types of property pollution. Resolving these conditions can be simple or complex depending on their character, location and physical extent. When remediating soil pollution is impractical or uneconomic, solutions are often available through alternate compliance strategies such as property use restrictions, protective barriers and periodic monitoring. When active soil remediation is the most cost-effective way to settle liability, our success in resolving damages and controlling losses is well established. For example, in 1991 we conducted the first large scale EPA-approved soil treatment program, remediating over 20,000 tons of hazardous contaminated soil without need for offsite disposal. Cost savings for our client exceeded $2 million. Years later, we continue to lead in resolving large-scale liabilities through our cost-effective soil solutions, including:
• Chemical Oxidation • Soil Vapor Extraction • Excavation
• Bio-remediation • Solidification & Stabilization
Loss Control Remediation Systems Our expert engineering teams reduce claim losses by designing optimized soil and groundwater remediation systems for any site condition. This provides faster cleanup, minimizes energy costs, and controls maintenance charges to achieve the most beneficial results.
Contaminant Characterization​ Expertly identifying chemical compounds is essential for conducting cost-effective remediations and linking damages to multiple responsible parties. Our scientists are trained to characterize contaminant conditions, find scientific evidence of causative events, and formulate ready solutions.
Plume Delineation We accurately determine the physical extent of contamination to help our clients establish reliable loss expectations, defend against improper claims, pursue responsible parties and promote fair settlements with confidence.
In-Situ/Ex Situ Treatment We have years of experience treating subsurface impacts without invasive property damage. Our goal is to minimize disposal, restoration and relocation costs in order to achieve the most desirable outcomes possible.
Treatment System Upgrades Our experts reduce long-term claim costs by upgrading or replacing obsolete remedial systems to increase cleanup effectiveness and improve responses to changing site conditions and regulations.
Litigation Support Litigation Support Our senior experts regularly provide litigation support to help our clients and partners prevail in fact and expert matters involving both civil and criminal actions. When settlements are delayed by disputes over technical data and physical evidence, our experts sift through contested material to identify coherent patterns of information leading to self-evident conclusions.
Subrogation Support We are regularly engaged in identifying subrogation opportunities based on scientific analysis and assessment. Our forensic experts research historical site uses, identify contaminant sources, and analyze pollution time-frames to ensure that our clients are not held responsible for the liability of others.
Expert Opinions A substantial part of our practice is concerned with providing written expert opinions in concise, plainly worded prose that are understandable to the widest range of readers. We believe that the expert who is best understood achieves the best results.
Risk Products ECC Horizon is a valuable resource and partner to insurance product developers, corporate managers and underwriters seeking to manage environmental risks. Our experience in thousands of claim actions, settlements and litigations gives us special insights that help risk professionals build effective and predictable loss control products. Our collaborations typically include the following services:
Risk Managers and Captives For corporate risk managers and captives with sensitive exposures to claim frequency and severity variations, our services range from providing mission-critical probability and lifecycle analyses to partnering as a full-service provider of loss control and remediation services.
New Product Development For newly planned risk control and insurance programs, we team with clients to analyze their expected performance outcomes and build specialized claim management and adjustment systems. Our work can include identifying underwriting evaluation criteria, developing indemnity loss control procedures, establishing inspection protocols and building risk profile models.
Program Performance Assessment For underwriters and risk managers seeking to evaluate or improve their existing risk systems, we analyze performance and loss histories, conduct frequency and severity analyses, and assess the expected range and probability of performance outcomes arising from improvements to current programs.
“We look for solutions that put our clients first. Each case is unique, and we find the right approach that best meets our clients’ needs every time. Nothing else matters.” MEGAN HILL • REGIONAL DIRECTOR
New Jersey LSRP New Jersey Licensed Site Remediation Professionals (LSRP) ECC Horizon maintains experienced LSRPs in each of its New Jersey offices. These highly trained professionals are licensed by the New Jersey Department of Environmental Protection (NJDEP) to oversee and manage environmental compliance activities without need for separate State oversight. The LSRP program was instituted in 2009 to bring New Jersey’s contaminated sites into regulatory compliance efficiently and cost-effectively. Since ECC Horizon’s LSRPs are responsible for ensuring compliance with State environmental requirements, our clients proceed without costly delays caused by separate governmental reviews and examinations.
“We understand that for most people, their financial health depends on the value of their property. That’s what drives us to resolve their liabilities quickly and cost-effectively.” CHARLES METZGER, LSRP SENIOR RISK MANAGER
Choosing an ECC Horizon LSRP is the first step toward resolving your environmental liabilities quickly, predictably and at low cost. Our LSRPs are sensitive to the economic burdens that environmental compliance imposes on property owners and others. That’s why your ECC Horizon LSRP will give you the tools and options you need to make informed decisions with confidence.
Recent Claim Closures - 2015 Remedial Plan Adjustment & Management: $4 Million Claim Reduction Indiana • July 2015 ECC Horizon lowered loss reserves by $4 million in this pollution claim involving groundwater and soil impacts at a metal processing site in Indiana. The policyholder’s repair plan included $5 million to extract chlorinated groundwater over 14 years and demolish a building located on contaminated soil. In reviewing the plan, ECC Horizon found that groundwater impacts could not be extracted through the site’s impermeable clay soils. In addition, a planned building demolition was found to be unnecessary because the underlying soil impacts were not migrating and did not require removal. ECC Horizon designed an alternative plan to dechlorinate the groundwater impacts in-place and avoid demolishing the building. Our experts are now managing and adjusting the resulting repairs. The claim is expected to settle for $4 million less than originally proposed and will be completed 11 years earlier than previously scheduled.
Project Oversight & Claim Adjustment: $650,000 Washington • June 2015 ECC Horizon recently settled this property pollution claim, producing verified adjustments of $650,000. While investigating the gasoline-contaminated claim site, ECC Horizon found multiple vendors providing indemnity services that were unnecessary, improperly rendered and inappropriately charged. After establishing control over the vendors’ activities and adjusting $300,000 of charges, ECC designed a new repair plan that reduced future losses by an additional $350,000.
Indemnity Loss Reduction: $165,000 Indiana • May 2015 ECC Horizon obtained regulatory relief in this property pollution claim, settling the matter and saving the insurer $165,000.00 in indemnity repair losses. ECC avoided a costly settlement by negotiating more flexible compliance requirements with State officials. As a result, the property was transferred to a less restrictive cleanup program that reduced the necessary repairs and allowed the case to be promptly closed.
Successful Liability Defense: $326,000 Remediation Adjustment: $75,000 New Jersey • April 2015 Following an investigation and subrogation action in this property pollution claim, ECC successfully shielded the insurer from $326,000 in indemnity losses. In the course of its work, the firm developed substantial evidence showing the claimed damages were not coming
“Working at ECC is gratifying because we settle claims almost every week. Nothing is more professionally satisfying than telling our clients and partners that their liability is over, that we succeeded for them.” ANDREW ALLEN • RISK MANAGER
Case Studies Construction Site • Pittsburgh, PA Emergency Response, Loss Control, Remediation & Settlement Gasoline vapors were combusting in trench pits at this construction site, threatening excavation workers and halting building progress. ECC Horizon was retained to investigate the condition and work with public officials to resolve the matter. ECC Horizon’s emergency response team found that vapors from gasoline-saturated soils were collecting in trench pits and combusting from sparking tools and subsurface debris during excavation work. A leaking 1,000 gallon UST located nearby was found to be the contaminant source. Working closely with government regulators, our team quickly removed the gasoline UST with special non-sparking equipment and secured the contaminated area without further incident. After securing the area, we tested the saturated soil to determine the physical extent of the damages and the time(s) of occurrence. We then excavated more than 6,000 tons of the material, which was sequestered on site. Soil tests indicated that the UST had leaked for several years. As a result, the prior property owner accepted liability and submitted a claim to his insurer. Since the carrier had provided coverage continuously for 40 years without pollution exclusions, the insurer’s goal was to modulate the claimed damages and settle the loss. Resolving this claim required careful planning. Disposing of 6,000 tons of gasoline-saturated soil was prohibitively expensive. As an alternative, our experts treated the gasoline impacts on site using a low-cost bio-remediation method. This reduced the gasoline impacts, which allowed the treated soil to be benefically re-used as a non-contaminated material. The cost of resolving this liability was reduced by $320,000. Total claim losses were ultimately settled for 47% less than originally reserved.
Case Studies Apartment Complex • Bowling Green, KY Site Inspection, Repair & Cost Adjustment, Claim Settlement ECC Horizon reduced indemnity losses by $825,000 in this claim, which involved a leaking fuel oil UST at a residential apartment complex. After fuel oil was lost from the facility’s heating oil system, the property’s tanks were examined and a UST was found to be leaking. The tank was removed and subsurface soil and groundwater impacts were observed. The property owner then retained an environmental contractor to clean up the impacts. A plan was developed to remove 2,000 tons of soil and install a treatment system to remediate groundwater. The projected long-term cost of the cleanup exceeded $1 million. The insurer consequently retained ECC Horizon to inspect the site, qualify the damages, and review the contractor’s planned repairs. Our experts found that the remediation plan called for disposing of the overlying clean soil. Since this activity was unnecessary and comprised 65% of the contractor’s total disposal costs, we changed the plan to re-use the clean material as backfill. Our adjustment substantially reduced the scheduled disposal and backfill charges. The contractor also planned to operate a long-term treatment system at the site to address residual groundwater impacts. Our experts determined, however, that these impacts would naturally attenuate once the oil-saturated soils were removed. As a result, the contractor’s plan was further adjusted to only monitor groundwater and confirm it was improving after the contaminated soil was removed. ECC Horizon approved the contractor’s reduced cleanup plan and directed the repairs. The contaminated soils were disposed off-site and the overlying clean soils were returned to the excavation. Thereafter, monitoring wells were installed. Subsequent testing then confirmed that groundwater had been remediated as expected. Further action was not required. The claim was settled without uneccesary soil disposal costs and long-term groundwater treatment charges, reducing the indemnity loss by $825,000.
Case Studies Industrial Paint Manufacturer • Albany, NY Investigation, Defense & Claim Closure ECC Horizon protected this paint manufacturer from a wrongful prosecution involving discharges to a public waterway. The manufacturer’s facility was built adjacent to a major river tributary. Pollution was observed in the tributary, which local authorities believed was paint waste dumped by the manufacturer. Multiple police raids were staged on the facility in failed attempts to discover the dumping. The manufacturer incurred substantial costs from these actions and notified its insurer. ECC Horizon was retained to investigate. Our experts inspected the facility, examined its manufacturing processes, tested its products, and surveyed all of its discharge points. No causative link was found between the manufacturer’s products and the materials discharged to the waterway. We ultimately discovered the suspicious materials emenating from a pipe located over 1000 feet from the manufacturer’s facility. The material was tested and found to be non-toxic. The upstream source was later identified. ECC Horizon presented its evidence to local, County and State officials who accepted the findings. The paint manufacturer was subsequently cleared of suspicion and resumed its operations without further incident.
Case Studies
Marina Gas Spill • Manasquan, NJ Loss Control, Site Remediation & Settlement A fuel supplier accidentally overfilled its customer’s 2,000-gallon storage tank at a marina located along a major waterway. The tank’s emergency containment vault subsequently failed, discharging more than 1,000 gallons of gasoline into the surrounding soil and groundwater. ECC Horizon was retained by the fuel supplier’s insurer to assess the site and direct any indemnity repairs. Thereafter, our experts worked closely with the Coast Guard, public officials, and the marina to develop a remedial plan that satisfied each party while also modulating claim losses. In the course of negotiating practical cleanup standards and compliance strategies, we reduced the claim’s prospective indemnity repair costs by approximately $450,000. After removing the gasoline storage tank, our experts assessed the extent of the damages. We then consulted with regulators who agreed to modify the site’s restrictive cleanup requirements. The contaminated soil was excavated and groundwater was remediated to the adjusted cleanup criteria. The waterway itself did not require further remedial action.
Case Studies Multi-Site Industrial Contamination • Atlanta, GA Investigation, Subrogation, Adjustment & Settlement ECC Horizon reduced this insurer group’s indemnity losses by more than $2.5 million. The claim involved three municipal properties, each containing petroleum impacts from leaking USTs. During our review of proposed cleanup plans, we found that a government agency was liable for funding much of the remediation work even before insurance reimbursements could be required. Through our additional subrogation investigations, we also identified an adjoining property owner who had contaminated one of the three sites. In reviewing work proposals from multiple vendors, we used our national database of usual and customary charges to negotiate, adjust, and substantially reduce the cleanup costs for all three sites. In summary, our subrogation, allocation and adjustment services reduced the insurer group’s liabilities by $2.5 million. Had the group abridged their pre-settlement review, an erroneous multi-million dollar settlement might have been made without adjusting vendor costs, receiving available government funds, and obtaining contributions owed by other responsible parties.
Case Studies Complex Fuel Discharge • Minneapolis, MN Defense, Loss Control, Remediation & Settlement ECC Horizon defended this insurer against $1.3 million in erroneous claims, and reduced its indemnity repair costs by $725k. The insurer’s policyholder owned a UST that discharged gasoline during multiple policy periods. ECC Horizon was retained to determine the cause and origin of the impacts, assess the damages, and undertake any necessary repairs. Since the pollution impacts affected a public waterway, ECC Horizon also represented the insurer in State and local government hearings, and provided litigation defense support. ECC Horizon’s investigation and testimony provided the bases for the insurer’s successful defense against erroneous charges. Our experts found evidence showing that most of the pollution damages were caused by a third party located upstream. The insurer consequently subrogated and obtained a substantial contribution from the third party. Following subrogation and litigation, ECC Horizon worked with regulators to develop less restrictive cleanup requirements. A cost-effective compliance strategy was developed and ECC Horizon completed the required cleanup work. The remedial action was ultimately completed on time and under budget. As a result, the insurer’s liability was reduced by more than 65%, and its indemnity repair costs were lowered by more than $725k.
Our Clients
ACE Insurance Allstate Insurance America First Insurance American Fire and Casualty Amica Mutual Insurance Argo Select Atlantic Mutual Atlas Assurance of America Blue Ridge Insurance BP Central Insurance Chevron Chubb Group Insurance Citizens Property Insurance CNA Insurance Cumberland Insurance EMC Insurance Companies Encompass Insurance Everest National Insurance Excelsior Insurance FARA Insurance Services Farm Bureau FCCI Insurance Group Federated Mutual Insurance Fireman’s Fund Insurance Fitchburg Insurance General Casualty Insurance Great American Insurance Group Hamilton Mutual Insurance Hanover Insurance Group Harleysville Insurance The Hartford Insurance Hastings Mutual Insurance High Point Preferred Insurance
Highlands Insurance Hoosier Insurance Hortica Insurance Indiana Insurance Liberty Mutual Insurance Marathon Oil Markel Insurance Mercer Insurance Group Merchants Insurance Group Mercury Insurance Group MetLife Insurance Montgomery Insurance Narragansett Bay Insurance Netherlands Insurance N.J. Guaranty Association NJ Manufacturers Insurance New Jersey Skylands Insurance Norfolk and Dedham Group Ohio Casualty Insurance One Beacon Insurance Palisades Insurance Peerless Insurance Pekin Insurance
Penn National Insurance Philadelphia Contributionship Plymouth Rock Assurance Pollution Liability Insurance Agency QBE Regent Insurance Resolute Insurance RiverStone Claims Management Royal Insurance Safeco Insurance Scottsdale Insurance Sedgwick Sentry Insurance State Auto Insurance State Farm Insurance The Westfield Group Travelers Property Casualty Unigard Utica National Insurance Group Washington State Pollution Liability West American Insurance W.R. Berkley Insurance York Risk Services Group
“Honesty and integrity are essential to building trust and confidence. Our partners and clients know that when they call us, they’ll get an honest answer they can rely on.” MATTHEW MARTELLO • CHIEF EXECUTIVE OFFICER