Twin Elms LLC


Connecticut Risk Management Finance / Insurance


Twin Elms is an independent brokerage that works exclusively on behalf of our clients.

Since 1995, Twin Elms has specialized in assisting clients and retail brokers throughout the United States manage, reduce or transfer environmental risks and liabilities through the placement of customized pollution liability insurance programs.  We meet our clients’ risk management objectives through our strategic relationships with highly rated carriers that provide the broadest coverage, most competitive pricing and superior claims experience available in the market.

Twin Elms offers a broad range of insurance products tailored to meet the unique challenges encountered in all facets of the real estate life cycle.  Additionally, we structure insurance programs on behalf of owners and contractors for construction and remediation projects.

Twin Elms is not just an insurance brokerage. We work as an extension of our clients’ risk management team.  Our risk management expertise is relied upon in our clients’ environmental due diligence, site selection, and contractual negotiations.



Karl Touet

Finance / InsuranceInsurance ServicesU.S./National
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