Environmental Insurance

Site Pollution: Most businesses have not thought about risks associated with environmental pollution but nearly all insurance companies have. Most standard insurance policies have exclusions or severely-limited coverage against claims that are caused by a pollution-related claim or arise from a pre-existing pollution condition on your owned property. Do not wait until a claim is filed or a loss is incurred before discovering the true environmental risks your business faces.

Contractors Pollution Liability. This is a contractor-based policy which offers third-party coverage for bodily injury, property damage, defense and clean-up costs related to a pollution condition created by the contractor or performed on behalf of the contractor. These pollution conditions can be sudden (during construction) or gradual (typically after completion of construction). Contractors Pollution Liability policies can include coverages such as:

• Per Project Aggregate Limits when Needed
• Blanket Additional Insured
• Completed Operations
• Ongoing Operations
• Primary – Non-Contributory

• Waiver of Subrogation
• Transportation Liability
• Non-Owned Disposal Site
• Professional Liability

There are dozens of insurance companies that actively protect against the property and liability loss by environmental exposures, but their products differ greatly. We understand these constantly changing markets and will help you asses your business risk and determine the best coverage solution and carrier.