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Environmental Site Liability for Health Care Organizations
 

Environmental Site Liability insurance helps protect health care organizations from potential environmental liabilities associated with their facilities or sites. Storing fuel, handling laboratory chemicals, generating medical waste and other activities inherent in operating a health care facility can create significant pollution risks. That’s why organizations such as hospitals, medical laboratories and medical offices rely on Chubb’s Environmental Site Liability insurance to provide protection against bodily injury, property damage and remediation costs arising from pollution incidents.

Health care companies that purchase Environmental Site Liability insurance include:

  • General and medical hospitals
  • Community and regional hospitals
  • Specialty hospitals (e.g., pediatric, orthopedic and teaching)
  • Nursing homes
  • Medical laboratories
  • Medical offices and clinics

Coverage as Easy as A, B, C and D

Chubb’s Environmental Site Liability insurance offers four insuring agreements to provide the needed protection.

Coverage A addresses liability for bodily injury, property damage (including natural resource damages and diminution in value) and remediation costs and remediation costs arising from known or unknown pre-existing pollution incidents at or migrating beyond an insured site. It also addresses first-party remediation costs.

Coverage B addresses liability for bodily injury, property damage and remediation costs arising from new pollution incidents at or migrating beyond an insured site. It also addresses first-party remediation costs.

Coverage C addresses liability for bodily injury, property damage and remediation costs resulting from pollution incidents at or migrating beyond a designated insured site that is neither owned nor operated by the insured, such as a warehouse, waste transfer station or disposal facility.

Coverage D pays for business interruption expenses resulting from pollution incidents at an insured site that suspends operations at that site.

Chubb’s Environmental Sites Liability insurance provides the flexibility of a non-admitted policy form and is designed to address emerging environmental risks. Highlights include:

  • Primary insurance coverage
  • Multi-year policy terms
  • Discovery trigger for on-site cleanup
  • Remediation costs include restoration costs
  • Coverage for formerly owned or operated designated sites

When does a company need an Environmental Site Liability policy? Consider the following scenario:
The storage tank for a hospital's backup generator leaks and the fuel oil spills into a drainage ditch, contaminating the hospital's property and an adjacent lake. The hospital's cost to clean up the spill exceeds $1 million. Chubb's Environmental Site Liability insurance helps protect the facility against this significant loss.


Service and Strength

Chubb maintains a global network of loss control professionals who have the technical skills and industry-specific knowledge to offer practical and cost-effective suggestions for loss control and disaster planning. Our environmental specialists have completed course work in environmental sciences, environmental law, site assessments, hazardous waste and/or ISO 14000 training. Our loss control suggestions can help customers reduce the probability of loss and improve the odds that, if a loss does occur, its severity is minimized.

Chubb has built an unparalleled reputation for treating customers fairly and providing responsive customer service. If you have a claim, you can be confident of receiving superior service 24/7.

Our financial strength continues to earn high ratings from A.M. Best, Standard & Poor's and Moody's, leading evaluators of insurance companies. This financial strength, combined with our underwriting expertise and claim service, means you can count on Chubb to be there when you need us most.


Additional Information

Application for Environmental Site Liability Insurance


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