Environmental Liability

Property owners, manufacturers and service firms all have a potential exposure to environmental liability insurance issues. Most general liability policies exclude pollution absolutely.

Environmental liability insurance is commonly associated with chemicals and hazardous waste; lead, mold or asbestos abatement; disturbance of naturally occurring asbestos; or vandalism of fuel containers at work sites. However, claims can simply arise from everyday activities including excavation work; improper treatment of water supplies; disposal of medical waste; truck overturns; Legionnaires, or sick building syndrome; recycling of electronic components; or renovations of structures.

The specialists at XS Brokers bring you the experience necessary to analyze exposures and create successful insurance solutions. We have over 25 years of experience in developing environmental programs to transfer the financial loss associated with an environmental event.

Site Impairment

Manufacturers, recyclers, property owners, leaseholders and lenders have exposure to loss from environmental impairment. Business owners are exposed to known and unknown pollution conditions related to poor air quality, asbestos, lead, mold, corrosion, cross contamination from other sites, or improper dumping by an unknown party. A site impairment program can be structured to mitigate the environmental loss.

An environmental impairment policy provides coverage for clean-up costs, first and third party bodily injury and property damage and liability resulting from pollution conditions. Common extensions on an impairment policy include general liability and transportation of pollutants when appropriate.

Environmental exposures where you least expect it:

  • Agricultural
  • Brownfield’s
  • Property Owner Associations
  • Chemical Manufacturers
  • Disposal Sites and Landfills
  • Educational Facilities
  • Healthcare
  • Manufacturers
  • Municipalities
  • Rail Yards
  • Strip Malls
  • Warehouses

All contractors are exposed to pollution risks related to their operations at a job site. Contractors pollution liability insurance transfers the risk of loss associated with pollution conditions on site and during transportation.

Programs can include coverage for general liability, contractor’s pollution, transportation of pollutants, workers compensation and professional liability separately or combined. Programs up to $100 million are available. Policies can be written on a claims-made or an occurrence basis.

Common coverage extensions include additional insured endorsements with completed operations, loading and unloading at the jobsite, transportation, temporary storage of pollutants, and non-owned disposal site coverage.

Firms that need to purchase contractors pollution liability include:

  • Artisan Contractors
  • Custom Homebuilders
  • Remodeling Contractors
  • Excavators
  • General Contractors
  • Roofing Contractors
  • Septic Contractors
  • Utility Contractors

Environmental and non-environmental consultants can be exposed to pollution risks related to their operations. Pollution and professional liability insurance transfers the risk of loss associated with this type of insured.

Programs can include coverage for general liability, professional liability, and pollution liability separately or combined. Excess limits are also available.

Consultants who perform the following operations need to purchase pollution and professional liability insurance:

  • Geological Surveys
  • Testing or Monitoring of Pollutants (including designing and installing testing and monitoring equipment)
  • Waste Brokers
  • Environmental Laboratory Analysis
  • Remediation Design, Investigation or Feasibility Studies (Phase I and II)