The very competitive pollution liability and combined general liability/pollution liability segment exhibited insurance rate changes that were in a range from flat to a 15 percent decrease. The competitive market led to more insurers offering coverage for non-owned disposal sites (NODS) on a blanket basis and broadened mold clean-up coverage. The cost cap segment is a smaller market exhibiting signs of hardness not seen in the other environmental segments with primary rate changes ranging from flat to 10 percent increases. Developing issues in the environmental space include Chinese drywall, global warming-related litigations and green house gas effects.

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