What is Pollution and Environmental Liability Insurance?
Pollution and Environmental Liability Insurance is insurance coverage specifically designed to protect
businesses from exposures resulting from “pollutants” and things that are harmful to the environment.
This coverage is commonly referred to as either Pollution Liability or Environmental Liability policies.
This includes pollutants that are used in the course of operations, biproducts of operations, used or
stored in a building owned or controlled by a business or person, or resulting from ownership of a
building. For example, mold, bacteria, and viruses are all considered pollutants. Motor oil, certain paints
and thinners, and other common products also fall under the definition of a pollutant. Recently, a man-
made substance known as Polyfluoroalkyl substances (PFAS) was added to the list of pollutants that
most insurers use. PFAS are used to make products that resist heat, oil, stains, grease, and water and
are commonly found in most cleaning substances and in most carpets.
Why is Pollution Liability Important?
There are three significant reasons why this coverage is important.
- First, every building owner and every business has an exposure to pollutants. Contractors and
manufacturers have a very significant exposure. However, most buildings contain carpets which
could contain PFAS or other building components like sinks and water-fountains which could
house bacteria, mold, and virus. - Second, virtually every General Liability Policy and Umbrella Liability Policy specifically excludes
any claim resulting from pollutants. So, without this coverage, building owners and operating
businesses have no other coverage for potential claims. - Third, cleanup of pollutants alone can be very costly and should someone become sick because
of pollutants, a substantial loss suit could naturally arise. Defense, at a minimum would be
needed and lawyers aren’t cheap.
- First, every building owner and every business has an exposure to pollutants. Contractors and
Here are some common Coverage Highlights:
- Coverage for cleanup from pollutants
- Defense from lawsuits claiming injury from pollutants
- Bodily Injury and Property Damage awards that courts allow for claims resulting
from pollutants
How Our Team Can Help:
Our experienced team of insurance professionals is here to guide you in determining your needs and finding the appropriate solution. We do this in several ways:
- Tailored Solutions: We understand that every construction project is unique. Our team will work closely with you to customize an insurance plan that meets your specific needs and budget.
- Risk Assessment: We will conduct a thorough risk assessment of your operations or building ownership interests to identify potential hazards and recommend appropriate coverage options.
- Claims Assistance: In the event of a claim, our dedicated claims specialists will assist you throughout the claims process, ensuring a smooth and hassle-free experience.
- Expert Advice: With our in-depth knowledge of the construction industry and insurance market, we can provide expert advice and guidance to help you make informed decisions about your insurance coverage.
Get Started Today!
Protect your investment and minimize financial risks with Pollution and Environmental Liability
Insurance. Contact our team today to learn more about our insurance solutions and how we can help
safeguard your ownership or business interests.