West Palm Beach, Florida-based Twin Elms is now Gallagher, a global leader in insurance, risk management and benefits consulting. The retail insurance broker specializes in environmental insurance products and services for clients worldwide.

For more than 30 years, Twin Elms has helped clients and retail brokers manage, reduce or transfer environmental risks and liabilities through the placement of customized pollution liability insurance programs. Clients now have access to an expanded network of Gallagher resources and enhanced tools, while continuing to benefit from deep expertise, dedicated service and innovative solutions.

“
Twin Elms is a highly regarded agency whose niche expertise will further enhance our environmental brokerage offerings.
J. Patrick Gallagher, Jr., Chairman and CEO

Pollution liability insurance customized to your unique needs

We provide a comprehensive suite of insurance solutions designed to address the unique challenges across every stage of the real estate life cycle. Our team helps you pinpoint environmental liabilities, reduce risks and bridge coverage gaps.

Our strategic relationships with highly rated carriers enable us to provide the broadest coverage and most competitive pricing, along with superior claims experience.

Our products include:

Site Pollution Liability

Site Pollution Liability insurance provides tailored environmental coverage to supplement traditional policies on an individual or portfolio basis. It safeguards against claims linked to historic and future environmental liabilities, helping you avoid financial setbacks and maintain the ability to sell, transfer or operate your property.

Lender Pollution Liability

Lender Pollution Liability coverage protects lenders from environmental risks on properties with historical contamination. Structured for individual loans or portfolios, it ensures coverage throughout the loan term, helping lenders minimize exposures.

Contractors Pollution Liability

A Contractor Pollution Liability policy bridges coverage gaps caused by pollution exclusions in standard liability programs. It protects against sudden and gradual pollution from contracting operations and is available as practice or project-specific coverage, including completed operations.

Other pollution products

  • Combined pollution policies:
    • General Liability and Contractors Pollution Liability
    • General Liability and Site Pollution Liability
    • Contractors Pollution Liability and Professional Liability
  • Underground and Above Ground Storage Tank Insurance

Personalized risk strategies that protect your livelihood

As your strategic partner, we prioritize understanding your challenges and needs, and utilize our knowledge, experience and global resources to offer appropriate strategies that minimize risk, fit within your budget and contribute to your success.

Awards and Recognition