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Janet Carl

Western Regional Practice Leader

Environmental Practice, Wells Fargo Insurance Services


Janet is Environmental Practice Leader for the Western part of the country. She is one of the few environmental brokers who is also an environmental attorney and has served as an in-house Vice President of Environmental Affairs for a large manufacturer. Janet assists companies and public entities in identifying and assessing their environmental risks. She structures environmental coverage to provide protection for their day-to-day operations, and she negotiates environmental coverage to facilitate property transactions, mergers & acquisitions, infrastructure and construction projects, and regulatory-required financial assurance. Recent projects include: • Negotiating $20M in pre-existing and new conditions environmental coverage for a semiconductor manufacturer with operations in 11 countries. The policy now has a significant claim for cleanup at a foreign location, and the insurer is responding. • Negotiating $50M in environmental coverage to facilitate a stock acquisition of a technology manufacturing facility, where known groundwater contamination stretched under the property. Janet’s ability to negotiate cleanup, bodily injury and property damage coverage for known and unknown conditions allowed the transaction to move forward. • Structuring environmental insurance to provide protection for the Trust charged with investigating, cleaning up, and divesting of over 80 former properties of a bankrupt auto manufacturer. The policy was designed to protect the financial interest of the Trust by covering claims arising from its contractors’ activities, while at the same time facilitating the Trust’s ability to hire small, local contractors in the communities. Structuring environmental coverage to fulfill RCRA financial assurance requirements for a company that could no longer rely on its financials to meet $60M in regulatory obligations across 20 states. The solution saved the client over $500K annually, preserving ~$33M in collateral.