Heather Stone

• Evaluate risk factors to determine appropriate coverage options for clients.
• Classify, and price new business and renewal submissions.
• Assisted in developing marketing materials showcasing the company''s unique value proposition within the competitive landscape of insurance providers.
• Underwrite policies for the following coverages:

o General Commercial Liability (CGL)

o Contractors Pollution Liability (CPL)

o Professional Liability (PL)

o Site Pollution Liability

o Excess (XS)

• Developed strong relationships with wholesale brokers, leading to a higher volume of quality submissions and successful underwriting.
• Successfully analyze and write new business, including small and large accounts with maintaining retention goals.
• Underwrite policies for the following coverages:

o General Commercial Liability (CGL)

o Contractors Pollution Liability (CPL)

o Professional Liability (PL)

o Site Pollution Liability

o Product Pollution Liability

o Excess (XS)

• Evaluated risk factors and assessed applications for insurance coverage.
• Collaborated with brokers to clarify underwriting requirements and enhance communication.
• Made approval and denial recommendations by determining accurate risk levels.
• Underwrite the following coverages:

o General Commercial Liability (CGL)

o Contractors Pollution Liability (CPL)

o Professional Liability (PL)

o Site Pollution Liability

o Product Pollution Liability

o Excess (XS)

• Oversight of UST installation and removals
• Prepare Phase I ESAs, Phase II ESAs, Limited Site Investigation and UST Closure Reports in accordance with state and federal regulations.
• Delegate projects, train, and mentor junior staff.
• Oversight of Providence River Dredging Project at the South Quay.
• Monitored progress against established goals, adjusting schedules and resources as needed to keep projects on track.
• Developed detailed project timelines, allocating resources effectively to meet objectives.
• Monitored project progress, identifying risks and implementing mitigation strategies.

• Conduct and prepare Phase I & II Environmental Site Assessments (ESAs) according to ASTM standards. (Commercial, Residential, and Industrial structures).
• Prepare Limited Site Investigations (LSI) according to state regulations (NY, NJ, RI, CT, ME and MA)
• 24/7 Emergency Spill Response Coordinator
• Oversaw data collection and analysis to evaluate environmental risks effectively.
• Conducted field investigations and sampling to support project objectives and compliance efforts.
• Conducted comprehensive environmental impact assessments, ensuring responsible project development and execution.

• Oversight of monitoring well installations, borings, and the installation and removal of underground storage tanks (USTs).
• Collect vapor, water, soil samples, and analyze data according to state regulations (Metals/8260/8270/TCLIP/PFOAs/PFOs/SVOCs/VOCs).
• 24-hour Emergency Response Team for the five (5) boroughs
• Collect water samples at NYC public schools. Test, analyze and report lead levels to city and state agencies.
• Remediate sites with No. 4 & 6 fuel, diesel fuel, and PFOA/PFOS releases.
• Mentored junior scientists, enhancing team knowledge and technical skills.

• Review and report ERIS/EDR environmental databases
• Prepare Phase I and Phase II ESAs (Commercial/Industrial/Multi-Family Structures)
• Prepared detailed scientific reports or presentations based on findings.
• Conducted environmental impact assessments to ensure compliance with regulations and sustainability goals.