Environmental Liability Insurance

Pollution damage is a not ordinarily picked up under a typical public liability policy unless this occurs from a sudden and unforeseen event.  Cover can be limited and if it’s a gradually occurring event then you will not have the necessary protection you require.

It is possible to have the right protection in place for past and future pollution incidents, whether they be by sudden, accidental or gradual causes – the solution to this is Environmental Liability insurance.

Cover will not only be for own site and off site clean up costs, but can also cover off site property damage, off site bodily injury, business interruption arising from own site clean up costs and loss of rental income from own site clean up.  Fines and penalties would be excluded.

Many types of businesses can be caught by legislation in this area – property owners, schools/colleges/universities, investment trusts, companies with processes being undertaken – the list is endless. Common sources of pollution include sewage, chemicals, fuel/oil, organic materials, certain waste materials.  The Environment Agency website gives more information on this.    

Policies can be written on an annual basis or specified term, typically 10 years.  Our commercial brokers will be able to discuss the coverage available and information required to obtain a quotation. 

Please use the link here to submit your quote details.