Environmental Risk

Environmental Risk Products

The Policies

We offer a broad range of protection for environmental risks, for a client’s own premises or for activities undertaken at third party locations.


The table below identifies the potential gaps in your clients’ current insurance programmes. It is a broad indicator and you should refer to specific policy wordings to verify this on an individual basis.

Cover is offered on an annual or multi-year basis under four different policy types:

  1. Premises Pollution Liability
  2. Contractors Pollution Liability
  3. Environmental Protect
  4. Renewable Energy Environmental Protection

The core policy covers the following:

  • Cover for sudden, accidental and gradual pollution
  • Remediation costs imposed by regulators
  • Third-party legal liability, including bodily injury, property damage and trespass, nuisance & obstruction
  • Liability arising under the EU Environmental Liability Directive and any associated member state law
  • All environmental damage, not just resulting from pollution
  • Loss mitigation costs — emergency expenses incurred in responding to an incident
  • Legal defence costs

Extensions are available for each policy type and include:

  • Losses arising from transportation of products or waste 
  • First-party business interruption expenses
  • Crisis management costs to minimise reputational damage

Environmental insurance from Chubb online

Designed to offer broad, flexible and affordable protection for environmental risks arising out of a client’s entire business operations, whether undertaken at their own premises or at third party locations.

As a broker, you can access instant online quotes and bind cover efficiently.
Benefit from:

  • Immediate quotations available on a wide range of criteria (see overleaf)
  • Instant binding and issuance of policy documentation
  • 24 hour referral turnaround if quote falls outside the Online criteria
  • A quick response to all queries
  • Product designed to fill coverage gaps in traditional property and casualty policies
  • Specifically intended to respond to claims arising out of the new EU Environmental Liability Directive (ELD)
  • Original inception date is also the retroactive date, increasing the value of ‘gradual’ coverage as the policy renews.

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Download our product factsheets for further information