Environmental Solutions for Financial Executives
ER&FS

At ER&FS, we focus on the often-overlooked intersection of environmental risks and financial objectives. Our advisory services address:

What distinguishes our services? We develop integrated solutions based on our expertise in both technical environmental issues and financial risk management.

As independent consultants, we strive to offer complete and impartial advice, treating your concerns as ours.


Latest Blog Posts

April 24, 2013
Cost Cap Lives

After a decline and apparent death over the past few years, cleanup cost cap insurance (aka remediation stop loss or fixed price remediation insurance) for cost over-runs on environmental remediation projects is alive, but different. Limits up to $10 million … Continue reading

February 22, 2013
Endocrine Disrupting Chemicals: A Special – and Alarming – Form of Toxicity

A recent study, ‘State of the Science of Endocrine Disrupting Chemicals – 2012′, by the World Health Organization (WHO) and the United Nations Environment Programme (UNEP) describes the latest scientific understanding of the adverse health effects of EDCs on humans … Continue reading

February 4, 2013
My key take-aways from today’s National Underwriter Environmental Issue

There were many excellent observations and opinions expressed in today’s Environmental Insurance Issue of National Underwriter. Here’s my speed read of key points: 70% to 80% of companies with environmental exposures are uninsured or self-insured. Consensus is that rates have … Continue reading

Are your environmental risks material? Environmental risks tend to be latent, unobserved problems until they are suddenly promoted to immediate attention by a transaction (M&A, real property, financing), a mandate (regulatory scrutiny, legal action), or other event (capital improvement, discovery).

Do you have significant coverage gaps? 90% of environmental insurance policies we have reviewed omit key coverage or contain critical exclusions, severely limiting the value of the insurance.