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Products & Services


XL's pollution policy covers airport services

EXTON, Pa.—XL Insurance, the global insurance operations of XL Capital Ltd., unveiled a new pollution insurance program designed to address the environmental exposures of fixed-base operators and other aviation services at the nation's airports.

Fixed-base operators provide airlines and airport visitors with a variety of services that include aircraft refueling, de-icing and parking; flight training; and ground services such as baggage handling, lavatory cleaning, aircraft cleaning and more.

XL Insurance's Pollution and Remediation Legal Liability policy, provided by XL Insurance companies Greenwich Insurance Co. and Indian Harbor Insurance Co., offers coverage for loss, remediation expense and legal defense from covered airport locations. The policy offers contractors liability as well as coverage for storage tanks in a single policy form. Limits of up to $50 million are available.

XL Insurance's specialized environmental risk control and claims administration services are also available to the company's fixed-base operator clients. These services include emergency response planning assistance, fleet safety assistance and access to XL Insurance's specialized claims assistance.

For more information, contact Marcel Ricciardelli, senior vp of XL Insurance Environmental, at 610-321-9338, or by e-mail at

Policy covers needs of senior care facilities

NOVATO, Calif.—To meet the unique business needs of small, large or multiunit senior living facilities, Fireman's Fund Insurance Co. has launched Property-Gard, a comprehensive coverage created to protect residents, guests, property and income streams of senior care facilities.

With the number of seniors entering residential communities rapidly growing, senior living businesses—from independent and assisted living facilities to skilled nursing centers, as well as continuing care retirement communities—are expected to continue to grow over the next decade.

Property-Gard provides coverage for risks such as contaminated food, communicable diseases, emergency vacating, property of residents and medical staff, employee theft, lost keys and mobile medical equipment. The policy also offers:

  • Crisis management coverage to protect the reputation of senior care facilities.

  • General and professional liability on an occurrence basis, not a claims-made basis.

  • Prior acts coverage that bridges gaps that may occur when moving from a claims-made to an occurrence form.

  • Specialized coverage for sexual misconduct and physical abuse vicarious liability.

The Property-Gard full-service package also includes specialized services for complete asset protection. A senior living loss control specialist will review care facilities to identify risks; reduce injuries; and control property damage, auto and liability claims.

For more information, contact Amy Lee Richardson, assistant vp, certification director, at 503-869-4307, or by e-mail at

U.S. Chemical Safety Board releases safety video

WASHINGTON—The U.S. Chemical Safety Board has released a safety video concerning the dangers of uncontrolled chemical reactions. The video features computerized simulations and descriptions of four major reactive chemical accidents investigated by the CSB, as well as commentary by two prominent chemical process safety experts.

The video, "Reactive Hazards: Dangers of Uncontrolled Chemical Reactions," is being released simultaneously with the CSB's final report on the Synthron Inc. accident, which killed one worker and injured 14 others in Morganton, N.C., on Jan. 31. The video features a computer animation of that accident narrated by lead investigator Jim Lay.

Other accidents discussed in the video involve MFG Chemicals Inc. in Dalton, Ga.; BP Amoco in Augusta, Ga.; and First Chemical Co. in Pascagoula, Miss.

Reactive hazards include those involving uncontrolled chemical reactions, with significant increases in temperature or pressure. The CSB released a study of reactive hazards in 2002 and made numerous safety recommendations. The agency has investigated several such accidents since that time. The video was made to create a heightened awareness of the dangers of these types of uncontrolled chemical reactions.

The production marks the 13th safety video produced by the CSB. The videos may be viewed online in the Video Room of the agency's Web site, Free DVD copies may also be obtained by filling out a request form on the Web site.

The CSB is an independent federal agency charged with investigating industrial chemical accidents. CSB investigations look into all aspects of chemical accidents, including physical causes such as equipment failure as well as inadequacies in regulations, industry standards and safety management systems.