Basic Forms of Environmental Policies

Environmental Impairment Liability

Provides coverage for pollution incidents at listed locations, protecting against environmental damage and associated costs. This coverage includes:

  • Site-specific Pollution Incidents
  • Historical Pollution Coverage
  • Third-party Claims

Contractors Environmental Liability

Protects contractors from liabilities arising from pollution conditions caused during their operations. This coverage includes:

  • On-site and Off-site Pollution
  • Transportation of Pollutants
  • Legal Defense Costs

Professional Liability

Covers claims related to errors and omissions in environmental consulting and other professional services. This coverage includes:

  • Consulting Errors
  • Negligent Advice
  • Legal Defense Costs

Key Areas of Policy Coverage

Bodily Injury

Covers costs associated with injuries sustained due to pollution events.

Property Damage

Provides financial protection for damage to property caused by pollution.

Cleanup Expenses

Covers the costs associated with cleaning up contaminated soil, water, or air.

Defense Costs

Includes legal fees and other expenses incurred defending yourself against pollution-related lawsuits (typically within the policy limits).

Frequently Asked Questions

What exactly does Pollution Insurance cover?

Pollution Insurance covers costs related to environmental damage, including cleanup of pollutants, legal defense in cases of environmental lawsuits, and compensation for third-party claims of property damage and bodily injury due to pollution.

Who needs Pollution Insurance?

It’s essential for businesses in industries that have a higher risk of causing environmental harm, such as manufacturing, construction, and waste disposal, but it can benefit any company that might face environmental liability.

Does Pollution Insurance cover mold and asbestos?

Yes, most policies can be tailored to include coverage for mold, asbestos, and other specific pollutants that might be relevant to your business operations.

Are pollution incidents covered only if they are sudden and accidental?

Pollution Insurance can cover both sudden and gradual pollution incidents. Coverage details can vary, so it’s important to confirm the specifics with your insurer.

Can I add Pollution Insurance to my existing business liability policy?

Some insurers allow you to add pollution coverage as an endorsement to a general liability policy, but standalone policies are also available for more comprehensive coverage.

What is Contractors Environmental Liability?

This coverage is designed for contractors and provides protection against environmental liabilities that arise from construction activities, including pollution caused by disturbance of existing conditions or subcontractor actions.

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Ensure Environmental Compliance and Protection

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