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Premises Pollution Liability (PPL) Policy

Our suite of PPL coverages for domestic and U.S.-based multinational companies can meet your needs and protect your business operations.

Coverage Highlights


  • Premises Pollution Liability (PPL) Policy types available include: PPL and PPL Portfolio
  • Industry-specific endorsements to provide unique coverages for Public/Educational Entitiesand Multinational businesses
  • Coverage for domestic and U.S.-based multinational companies
  • Admitted local policies outside of the U.S. can be placed as part of a master U.S. program
  • Claims-Made and Reported coverage form
  • Sudden and accidental and non-sudden/gradual pollution events
  • Owned, operated, managed, leased or maintained locations coverage may be available on a blanket basis by endorsement
  • Broad definition of pollution conditions including illicit abandonment and medical, red bag, infectious and pathological wastes
  • Indoor Environmental Conditions coverage, including fungi and Legionella pneumophila
  • Third-party Property Damage coverage including Natural Resource Damages
  • Built-in coverage for Emergency Response Costs
  • Transportation coverage
  • Non-owned Disposal Site coverage
  • Business Interruption and Delay Expense coverage
  • Catastrophe Management Costs coverage
  • Products Pollution coverage may be available by endorsement
  • Off-site operations coverage for work performed by or on behalf of a Named Insured may be available by endorsement


  • Chubb financial stability (rated AA by Standard & Poor’s and A++ by A.M. Best)
  • Option to tailor coverage for complex risks, such as mergers and acquisitions and multinationals
  • Environmental Incident Alert – our complimentary program developed to assist clients find and dispatch qualified incident response contractors, monitor cleanup costs and mitigate potential liabilities associated with environmental releases.
  • Experienced underwriting specialists across the U.S. and specialized claims expertise
  • Broad range of risk control services available through national and international network of best-in-class engineering consultants, including environmental risk control experts from ESIS, Inc.®
  • Thought Leadership that addresses the complexities of domestic and global environmental regulations and compliance
  • Valued long term relationships

Minimums & Limits

  • Targeted Minimum self-insured: $10,000
  • Targeted Minimum premium: $5,000
  • Capacity available up to $25 million per/aggregate limit, inclusive of legal defense costs; sublimits may apply to certain coverages and classes of business

Policy Terms

Annual or multiyear policy terms available

Target Segments

  • Agriculture
  • Chemical/Petroleum Storage
  • Commercial
  • Education (Pre-K through 12, Higher Education)
  • Healthcare
  • Hospitality
  • Industrial
  • Manufacturing
  • Mergers & Acquisitions
  • Mixed Use/Residential
  • Public Entity
  • Quarrying
  • Real Estate
  • Recreation
  • Renewable Energy
  • Research & Development
  • Retail
  • Transportation
  • Warehousing & Distribution

Restricted Industries

  • Metal Mining and Reclamation Operations
  • Livestock Ranching, Fowl Hatcheries and Packing Plants