Environmental Risk Resources Association

Environmental Risk Resources Association

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"Expanding the use of environmental insurance as a risk management tool through education,
technology, resources, innovation and networking"


Insurance Articles Innovative Environmental Insurance Programs

Directory of Environmental Insurance Professionals Directory of Environmental Insurance Professionals
Find leading experts in environmental insurance, mold insurance, environmental risk management and expert witnesses on environmental insurance issues.

ERRA Newsletter Industry Publications
Find environmental risk management newsletters on environmental compliance, legal, engineering and pollution insurance issues.

On-Line Education Courses

ERRA offers online insurance continuing education and pre-licensing courses through 360 Training Virtual University. Click here for a complete list of courses.

Currently there are courses available for agents in:




An ERRA member has access to the "members only" area of the ERRA web site which contains a number of environmental risk management resources tailored for the risk management professional. You may become a member by completing the online membership form or printable membership form. For more information click here.


Insurance Articles Mold Drives Demand For New Insurance Coverage
Insurance agents could be the insurer of last resort for toxic mold and environmental damages

(Rough Notes Magazine, January 2004) A rapid increase in fungus- and mold-related claims in the past two years has triggered new insurance exclusions that create new sources of demand for environmental insurance products and expertise. Innovative agents will be able to capitalize on this demand by offering appropriate environmental insurance coverage to their clients. These same agents will be able to completely avoid the downside of what is shaping up to be a professional liability problem for agents on an unprecedented scale.

"How Lenders Were Left Unsecured For Mold Related Losses On Commercial Loans and How To Fix The Problem"

By Paul Duggan and David Dybdahl, John Liner Review, Fall 2006
Mold exlusions in commercial property and general liability policies leave a dangerous gap in coverage that only specialty insurance policies can close.

User's Guide to Environmental Insurance (HTML Format) Or Click Here for PDF Format
A number of specialized environmental insurance policies have been developed to address the environmental liability faced by insureds as a result of the pollution exclusion. The article examines pollution insurance policies, environmental regulations, the environmental risk management process and environmental loss exposures.

The Risk Advisor’s Survival Guide to Mold Exclusions and Pollution Exclusions
HTML format PDF format
Risk advisors have been positioned to be the insurer of last resort for the uninsured environmental and toxic mold claims of their clients. This paper discusses the trends that lead to this conclusion and presents a simple loss prevention protocol that risk advisors can follow to avoid professional errors, acts and omissions claims in this area.

Mold Insurance Resources
Find out how the environmental insurance underwriters are responding to mold. With the ever increasing interest, ERRA has created a mold resources page specifically to meet the needs of the risk management professional. Find articles and resources on mold insurance availability, mold exclusions and the latest legal and regulatory issues.

New Mold and Terrorism Exclusions Create Uninsured Risks for Property Managers, Owners and Lenders
Faced with rapidly increasing and unpredictable claims costs from mold damages, the insurance industry has methodically excluded insurance coverage for mold and domestic terrorism losses on virtually all of the property and general liability insurance policies. Together these exclusions leave a broad cross section of insurance buyers including property managers, property owners and lenders with unprecedented levels of newly uninsured risks. Environmental insurance is a partial solution to these exclusions.

Mold Claims Charts
If you are an insurance agent and want to know how the domino effect of mold claims will affect you...don't miss the analysis in the Mold Claims Chart. For an analysis of the potential parties and potential costs of a mold claim, view the Mold Management Chart.

Sneak Preview of Members Areas
A free one time visit into the password protected members area is available by clicking here.

ERRA Sponsor Program
Put your product or service in front of thousands of risk management professionals by becoming an ERRA sponsor. Find out how.

Receive The ERRA Newsletter via email
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Publications, Products and Services

Environmental Publications Environmental Publications
These environmental risk management reference materials are useful tool for interpreting and clarifying regulatory requirements. These publications cover environmental laws and regulations, compliance, auditing programs, and mold claims management guiding you through complex processes in plain English.

Environmental Risk Management Products and Services Environmental Risk Management Products and Services Guide
List your company in the ERRA's Products and Services Guide and get in front of customers buying environmental risk management products and services.

Providers of Environmental Insurance

                                           American Safety
                                           ACE Westchester
                                           XL (Indian Harbor)

            James River
            Great American
            Berkley (Nautilus)
            Century Surety
            Markel (Evanston)
Featured Advertisers


Specialized environmental insurance broker with access to all markets and products. Seventy years of combined experience. Unparalleled expertise delivered locally with offices coast to coast.

Childress Duffy Goldblat, Ltd

Childress Duffy Goldblatt, Ltd. is comprised of professionals with significant experience and diversity who provide a full range of legal services to clients worldwide.

Deuchler Environmental, Inc.

Consulting Engineers

  • Environmental Site Assessments Phase I, II, & III
  • Site Characterization
  • Hydrogeological Studies
  • Remedial Investigations, Design & Remediation
  • UST Management & Removal
    Waste Management
  • Transfer Station Design & Engineering
  • Landfill Design & Closure
    Soil, Groundwater, Wastewater & Air Emissions Sampling
  • Feasibility Studies
    Risk Management Plan
  • Air, Water & Wastewater Permits
  • Wetland Delineation


Insurance Articles Expert Witness Committee
The expert witnesses assembled by the Environmental Risk Resources Association are a unique talent pool with hands on experience on thousands of environmental insurance placements spanning more than twenty years. Members of the ERRA expert witness subcommittee have testified in both state and federal courts.


Find A Job
Interested in the environmental insurance, risk management, underwriting or engineering field. ERRA's career page includes links to a number of companies in the environmental industry who are looking for qualified candidates.

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