The incredible complexity and variety of environmental claims challenge the most seasoned claims professionals. Whether the environmental risk arises from a company’s products, their services or the operation of their facilities, effectively managing claims may require the backing of an expert team with a thorough understanding of industry exposures and specialized environmental insurance policies, accompanied by deep claims expertise.

Enviant meets the challenge of complex environmental risk with their comprehensive suite of environmental insurance products and services engineered to assist clients across all stages of the insurance life cycle, from initial underwriting through claims resolution. The in-depth and specialized knowledge across underwriting, risk consulting, and claims handling gives the managing general agency (MGA) a competitive edge in catering to clients across different industry verticals, including manufacturing and distribution, energy, environmental services, commercial real estate, and contractors.

“Unlike other MGAs, we integrate the underwriting and claims perspective from the beginning and structure policies that are acceptable for both our trading partners and their clients,” says Kenneth Cornell, Managing Principal of Enviant.

With decades of industry experience, Enviant’s team understands the challenges that cripple the insurance carrier sector due to siloed operations and limited communication between insureds, underwriters and claim professionals. The Enviant team works as an integrated unit, filling gaps across the underwriting and claims side of the business with their claims experience and technology-instilled and data-driven approach.

“Our integrated approach allows for a bidirectional flow of information that constantly expands our data set,” says Sean Upton, Head of Claims at Enviant.

This consolidated perspective is also crucial for underwriting complex policies with multiple coverages that necessitate a seamless flow of information. “When we built out our claims system, we started with the reports and data we would like to see for both claims and underwriting and then worked that into the claims systems workflow. Indeed, the claims group is constantly monitoring litigation trends, coverage decisions, and changes in the regulatory environment not only for the impact on the current claims’ portfolio but also to anticipate future impacts and exposures. Arming underwriters with real-time information pertinent to their existing portfolio and assisting in providing input on how to structure and mitigate against future risks is a differentiator and competitive advantage,” he adds.

While Enviant’s underwriting offerings are broad and flexible to meet the requirements across the entire spectrum of environmental exposures, the real test is fulfilling the promise of the policy when claims are presented. Claims professionals at Enviant manage smaller claims portfolios than the industry norm, which enables attention to detail while managing, directing and controlling the claims for the desired outcome. The claims professionals have greater insight and knowledge of each claim, and when coupled with broad autonomy and accountability throughout the claim process, allow forcycle faster and better claims decisions. The insights gleaned from each claim are fed back to underwriting, enabling a nimble response to exposure changes and trends, which ultimately enhances the underwriters’ ability to structure insurance coverage and Enviant’s portfolio performance.

“The policies we handle are not standard ISO policies, they require the intellectual capacity and data backing to for creative solutions. We are experts at detailed digging and analysis for each insurance account to structure policies that computers cannot underwrite,” says Upton.

With their diverse portfolio of complex coverages steered by comprehensive underwriting and experienced claims handling expertise, Enviant is well-positioned as a trusted partner in the environmental insurance and risk management space.