Environmental Risk

Premises Pollution Liability

Constant product innovation keeps us one step ahead of legislative changes. And where business premises are concerned, that’s invaluable, which is why our cover extends to historical exposures, damage to biodiversity, business disruption and more.

Coverage Highlights

Companies are increasingly aware of their environmental liabilities. This is due to changes in legislation and regulation, and because of increased pressure on all organisations to behave in a socially ethical and environmentally responsible way.

To address these liabilities, our Premises Pollution Liability insurance offers a broad range of protection for gradual as well as sudden and accidental first and third party environmental liabilities.

We work with clients to help identify potential environmental risks, offering solutions that minimise impact on profitability. We have a range of solutions from traditional risk transfer for simple operational exposures to tailored programmes specifically designed for complex projects.

Product Highlights

  • By covering historical exposures the business is protected from the unknown
  • Offers practical management for environmental liabilities from start to finish
  • Using our network we can help clients address their varying environmental liability responsibilities around the world
  • Costs of cover are very competitive, assisted by our streamlined and efficient underwriting process
  • Product innovation keeps one step ahead of legislative changes

Cover

Our standard cover includes:

  • Clean up costs imposed by regulators, including own premises and any offsite land, water or natural resources.
  • Liability for third party bodily injury, property damage, clean up costs and nuisance
  • Third party claims for pollution caused by the transportation of products or waste
  • First party business interruption resulting from pollution conditions
  • Liability for damage to biodiversity including complementary and compensatory remediation costs

Appetite

Provided below is our appetite for risks within broad industry groups.

Preferred Industry

  • Accommodation & food service activities
  • Administrative & support service activities
  • Arts, entertainment & recreation
  • Agriculture
  • Construction
  • Education
  • Finance & insurance
  • Healthcare & social assistance
  • Information & communication
  • Manufacturing
  • Professional, scientific & technical activities
  • Public administration & defence
  • Real estate
  • Retail
  • Transportation & storage
  • Utilities
  • Wholesale

Standard Industry

  • Quarrying

Restricted Industry

  • Mining