The Independent Insurance Agents & Brokers of America (IIABA) Big “I” Markets program, a provider of free online access to niche coverages for IIABA members, and American Risk Management Resources Network LLC ( have forged a partnership to permit Big “I” members entry into the environmental insurance market and assistance with environmental risk management.

David Dybdahl, founder and president whose work includes insuring the containment operations of the Chernobyl nuclear disaster for the World Bank, said the need for environmental risk insurances, specifically on Wall Street, will only increase.

“The need for environmental insurance is coming from increasingly varied organizations,” said Dybdahl. “As pioneers of environmental insurance, we spent the first 25 years of our careers working on a handful of the most contaminated properties in the United States. The risks were high, and six- to seven-figure premiums were not uncommon. We would sometimes work for more than a year to place one policy. But today, along with those risks we sell with one-day turnaround a contractor’s pollution liability policy at a $2,500 premium covering the local plumber or HVAC contractor.”

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