Environmental Risk Managers, Inc. (ERMI), is pleased to announce a new pollution liability insurance program, “PAR” (pollution and remediation). From the storage and use of petroleum products, fertilizers, pesticides…. golf courses face a myriad of environmental exposures.

The PAR program includes sudden and gradual coverage, on-site and off-site pollution clean up along with third party bodily injury, property damage and business interruption, underground/aboveground storage tanks and more. A variety of options are available with premiums starting at $3,000.

PAR offers a financial risk transfer alternative to the traditional self insurance practiced by most golf courses in addressing their environmental exposures. The insurance is offered by a leading A.M. Best rated A VIII company and is available in all 50 states.

A benefit of PAR is that “most programs only offer herbicide and pesticide coverage on a sudden and accidental basis and the premium reflects this limited coverage,” according to Mr. Chris Bunbury, President of ERMI. Every golf course is an environmentally sensitive business with significant environmental exposures that most golf courses can’t afford to self insure.

Bunbury stated, “We are offering the PAR program on a stand alone basis to complement existing property and casualty insurance programs for golf courses. The PAR program is available through retail insurance agents and wholesalers.

“Most golf courses are not aware of the three main benefits they should look to the PAR program for. First, all policies come with defense coverage. Secondly, when an environmental problem does occur and you have the EPA, state and local government officials along with the press demanding action, you need experts to assist in handling the claim. Thirdly, the majority of the time, the cost to clean up an environmental problem, is often far less than the cost of third party claims for bodily injury, property damage and business interruption.”

For more information, application, marketing material, contact Chris Bunbury, Environmental Risk Managers, Inc., PO Box 1127, Leland, Mi. 49654. Phone: 231-256-2122, fax: 231-256-2123 or Email: jcbunbury@aol.com.