Insurance Services

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Premier's risk management and insurance services professionals have extensive experience working with the insurance markets and insured parties. We have helped clients across the United States and Canada to place insurance, to understand risk, to evaluate claims, and to minimize future loses. Premier is an industry leader in developing innovative ways to evaluate and place insurance across a variety of situations, and has used its experienced scientists and engineers to provide highly valuable services throughout the insurance industry. Below are descriptions of the areas that Premier's professionals have provided insurance and risk related services to both carriers and insured parties.

Environmental Risk Control

Environmental Risk Control provides clients and insured parties with information and training which allows them to effectively manage their ongoing environmental risks. Premier believes that effective risk control enables both the carriers and the insured to maximize the benefit derived from insurance coverage. Central to environmental risk control is risk identification and risk minimization. Premier professionals have a wide range of experience across a broad set of industries assisting parties to understand where risk related issues can occur, and doing the work necessary to minimize those risks. Premier's Environmental Risk Control Services include:

  • Behavior Base Safety
  • Confined Space Entry
  • Electrical Safe Work Practices
  • Emergency Evacuation Plans
  • Emergency Planning and Preparedness
  • Fire and Life Safety Training
  • Hazard Communication
  • Lockout / Tagout
  • Moving Equipment Safety
  • Material Handling Equipment
  • OSHA Record Keeping
  • Personal Protective Equipment (PPE)
  • Process Safety Management

Claims Evaluation

Once the claim has been evaluated, Premier can ensure that reasonable and customary pricing and processes are followed. This includes providing the carrier with information and findings detailing those areas of the scope and/or bid that fall outside either insurance company established guidelines, appropriate engineering, or reasonable and customary pricing. In those cases where Premier finds costs that are outside of what is reasonably expected, we provide alternative, defensible cost estimates. Often, the following items will be included in the claim cost management evaluation:

  • Competitive Bid Solicitation
  • Technical Feasibility Analysis
  • Cost Evaluation and Payment Recommendations
  • Contract Reviews and Revisions
  • Regulatory Negotiations
  • Status and Claim Closure Reports

Policy Renewal Support

Premier professionals tailor the level of renewal support to the particular requirements of the underwriter. This support has ranged from focused phone surveys, all the way to complete facility audits. Premier professionals have supported policy review at many types of industrial and commercial facilities from some of the world's largest pulp and paper mills to individual service stations and retail locations.

Environmental Risk Profile

The Environmental Risk Profile is presented in a document that summarizes the historical operations, property setting, and other historical information related to potential environmental liabilities. In addition, the document presents an evaluation of potential cause-and-effect scenarios that may result from the environmental liabilities and provides a risk rating for the property as a function of the severity and frequency of the potential loss scenario. In our experience in preparing over 50 of these documents, the preparation of this documentation on behalf of the insured will make the underwriting process more efficient for all parties.

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Insurance Services Staff

Timothy Goist, East Regional Manager

Expertise: Hazardous waste assessments; conceptual evaluation of remedial alternatives; development of regulatory strategy; litigation support and expert testimony; agency negotiation; remedial design and implementation; Phase I/Phase II Environmental Site Assessments; environmental training; financial management; and industrial real estate environmental assessments.

Mr. Goist manages the East region for Premier. In addition to his management role, Mr. Goist is responsible for lead project management on a number of projects for various clients. Mr. Goist has seventeen years professional experience with over fourteen years technical experience on major industrial projects as well as commercial projects, providing numerous Phase I environmental liability assessments, geologic and hydrogeologic assessments, innovative in-situ remediation projects, multi-media environmental compliance audits for large industrial and government facilities, and extensive experience in acquisition of ground water, soil, sediment, surface water, wastewater, sludge and miscellaneous waste samples for environmental testing and analysis. Mr. Goist is registered as professional Geologist in the state of Georgia, South Carolina and Florida.

David Wade, P.Geo., FRM, Senior Vice-President, Environmental Risk Manager

Expertise: risk management programs, captive liability risk transfer, risk profiling, insurance underwriting surveys, insurance claims support and expert testimony, soil and groundwater remediation design, implementation and site closure, regulatory agency negotiation and strategic planning, facility decommissioning, permit acquisition, mould assessment and abatement.

David Wade is Senior Vice President responsible for Premier's Canadian Operations located near Toronto, Ontario. David is one of Canada's leading environmental risk managers who has developed environmental liability risk transfer programs using unique insurance solutions in the captive and commercial markets throughout the World. He is a Professional Geoscientist licensed in Ontario, Quebec and British Columbia, has a CRM Diploma, holds a FRM with the Global Risk Management Institute and is a graduate of the University of Waterloo in the field of Geomorphology. David has been undertaking environmental site assessments and remediation for more than 18 years and routinely provides expert testimony in support of insurance claims. He is "closure" oriented, bringing strong management and cost effective technical solutions to the aid of clients with difficult environmental liabilities that have been previously unable to obtain site closure.

Jeff Andrilenas, Senior Consultant

Expertise: Environmental strategy and financial risk management, remediation technologies and site closure, environmental characterization and environmental geology, environmental management and compliance, sediment cleanups / NRD restoration.

Mr. Andrilenas is a Senior Consultant for Premier who works in a variety of regulatory frameworks including Federal, State and local NRD, CERCLA, RCRA, as well as various state specific environmental programs. His expertise includes environmental liability management, litigation and settlement / negotiation, mediation support, real estate transactions, financial quantification analyses; project management; government and public affairs. Mr. Andrilenas has extensive domestic and international project experience.

Scott Lockert, Senior Consultant

Expertise: Environmental strategy and financial risk management, remediation technologies and site closure, environmental characterization and environmental geology, environmental management and compliance, sediment cleanups / NRD restoration, environmental mega-project financial management.

Mr. Lockert has expertise has a varied background with based in remediation design and investigation that includes environmental liability management, litigation and settlement / negotiation, real estate transactions, financial quantification analyses; project management; and government and public affairs. Mr. Lockert has over eight years of financial environmental risk expertise within the environmental insurance industry, with focus on property transfer liability reviews, and merger and acquisition portfolio cost analysis.