Twin Elms Environmental Insurance Agency specializes in helping clients throughout the United States to manage the risks and liabilities associated with the ownership of environmentally impaired properties. Twin Elms works with all the major environmental insurance carriers crafting customized policies that provide clients with the most complete coverage available, addressing the unique challenges associated with their property. Scott Houldin and Karl Touet have spent more than twelve years assisting clients and their attorneys in the negotiation of specific policy language. This experience provides the Twin Elms team with a unique ability to draft specific policy coverage language that provides clients with the best available coverage. Meet the Twin Elms Team:
Scott C. Houldin, Principal and President
Scott began his career at Ericson Insurance in 1984 after graduating from Denison University. At that time, Ericson's primary focus was personal insurance. Scott's work in risk management, underwriting and claims administration resulted in development and growth of the commercial lines division at Ericson.
He developed a passion and expertise for environmental risk management and quickly became a leader within that field.
In 1996 Scott founded Twin Elms Environmental Insurance Agency. At Twin Elms, Scott has assisted buyers, sellers, lenders, developers, public utilities and municipalities by structuring and placing environmental insurance products related to brownfield redevelopment.
At that time, Scott turned over general management responsibilities to his brothers, continuing to manage and grow his environmental commercial book.
He has authored numerous articles for real estate and insurance trade publications, and conducted a multitude of seminars on utilizing and structuring environmental insurance.
Scott can be reached at: email@example.com
Karl A. Touet, Principal and Director of Sales & Marketing
Karl has over 27 years of extensive environmental experience. His areas of expertise include environmental liability insurance, real estate transactions and developments, REITs, M&A, private equity, financial institutions, environmental contractors & consultants, Superfund, construction industry, oil and gas, renewable energy, healthcare, educational facilities, manufacturing, and hospitality.
For nine of those years, Karl was a Vice President in the Environmental Division at AIG where his responsibilities included senior management, client development and marketing throughout the US and Canada. During his tenure with AIG, Karl served as a senior underwriter, regional manager and zonal manager.
Prior to AIG, Karl spent 18 years in environmental consulting with a focus in chemistry, risk assessment, investigation and remediation at national environmental consulting and brownfield redevelopment firms. He provided environmental due diligence, remedial cost estimates, and assessment of environmental risk liability transfer for brownfield real estate transactions and the procurement of environmental liability insurance for risk management associated with real estate investments and development. Karl has also participated as a panel expert for Massachusetts Continuing Law Education Inc. in 2009 and 2011.
Karl can be reached by email at: firstname.lastname@example.org
The Twin Elms Team has also developed innovative programs that compliment governmental risk management initiatives, providing clients with supplemental coverage that maximizes their protection. When facing the unique challenges of owning or operating real estate with known or potential environmental exposures, or, if you are considering the acquisition, sale or redevelopment of a property with environmental concerns, Twin Elms can deliver innovative solutions that manage the risks and long-term liabilities associated with your property.