Financial Products

Site specific Pollution Liability

ESG matches up insurance protection with the environmental risks of your business. Each of our coverages is designed to protect both your company and the environment.

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Limits:

$25,000,000 (Over $100,000,000 possible with excess placements)

Minimum SIR:  $5,000

Policy period: Up to 10 Years

Minimum Premium:  $3,500

Rating: “A” (Excellent) A.M. Best

Coverage Highlights

  • Contemporary, industry leading coverage, broad appetite
  • Clean, flexible single policy format, fewer endorsements, built-in enhancements
  • Green remediation expenses and green building standards
  • Restoration expenses
  • Emergency expenses
  • Products pollution coverage option
  • Reputation management and business continuity expenses

Coverages Available

Commercial General Liability insurance excludes claims arising from pollution conditions.  Property insurance may provide some coverage, but it is often limited to $10,000.

An environmental spill can be sudden and immediately recognizable or a subtle, hidden event that is eventually discovered.  In either event, the property owner must take steps to remediate the impact of the spill.  This coverage pays for the extraordinary expenses that may be involved with a spill response or discovery of latent environment contamination.

Environmental Remediation Has Several Regulated Steps and Can Quickly become expensive

  • Incident reporting to regulating agency
  • Spilled material removal
  • Investigation Expense
    • Consultant fees
    • Lab Fees
    • Well and Boring Drillers
  • Remedy Design
    • Consultant fees
    • Regulator fees
  • Remedy Construction
    • Consultant Oversight Fees
    • Contractor Costs
    • Equipment rental
  • Contaminated Soil and Groundwater Removal and Treatment
    • Excavation Costs
    • Treatment System costs
    • Transportation Costs
    • Disposal fees
  • Monitoring
    • Well installation fees
    • Consultant fees
    • Laboratory Fees

 

 

 

An environmental spill often results in litigation.  The government has authority via Federal and state laws apply to assert liability for response costs, natural resource damages and civil penalties. 

Affected private parties have recourse via both statutory environmental laws and common law to assert liability for personal injury, response costs, property damage, lost income and property value diminution. Commercial General Liability Insurance excludes claims arising from pollution.  This coverage provides both indemnity for such losses as well as legal defense expense.

Pollution-related Lawsuits Can Quickly become Expensive

  • Legal Defense Expenses
    • Attorney fees
    • Expert fees
    • Environmental Consultant fees
  • Response Costs Judgments and Settlements
    • Remediation of Plaintiff property
    • Civil Fines and Assessments
  • Personal Injury Judgments and Settlements
    • Medical Monitoring Expense
    • Bodily Injury Compensation
  • Property Damage Judgments and Settlements
    • Compensation for reduced Property Value
    • Payment for easements and uses restrictions

 

When an accident occurs, there is little time to submit a claim or request approval to respond.  This coverage grants authority to incur the necessary expenses to respond to and mitigate a sudden pollution release.


  • Spill Reporting to Appropriate Authorities and Community
  • Hiring of Emergency Response Contractors
  • Spilled Material Removal
  • Installation of Containment Barriers
  • Spill area Decontamination

 

A pollution event can be so significant that steps to manage the public relations and authority communications regarding it require professional assistance.  It is bad enough to have an accident that negatively reflects on your company, but the way you handle it can mitigate or exacerbate the long term harmful effects to your enterprise. 

Crises Management Consultants are professionals dedicated to managing the communications and interactions with the public and authorities for your enterprise to minimize the long term reputational and even legal relations with your enterprise’s community.

  • Compile event facts
  • Designate a spokesperson
  • Communicate facts timely and accurately
  • Relate your enterprise’s response and dedication to a proper resolution
  • Respond to inquiries
  • Monitor feedback


 

Limits: Up to $10,000,000

Minimum SIR:  $5,000

Policy period: Up to 5 Years

Minimum Premium:  $3,500

Rating: “A” (Excellent) A.M. Best

 

Coverages available

  • Pre-existing pollution conditions – bodily injury, property damage and on/offsite cleanup
  • New pollution conditions – bodily injury, property damage and on/offsite cleanup
  • Reputation management and business continuity expenses
  • Non-owned disposal site liability
  • Transportation pollution liability
  • Contracting services pollution liability
  • Products pollution liability

Coverage Highlights

  • Contemporary, industry-leading coverage, broad appetite
  • Clean, flexible single policy format, fewer endorsements, built-in enhancements
  • Green remediation expenses and green building standards
  • Restoration expenses
  • Emergency expenses
  • Products pollution coverage option
  • Reputation management and business continuity expenses

Target Classes

  • Industrial manufacturing, distribution and warehouses
  • Commercial office, retail, light industrial
  • Multi-family apartments/condos
  • Municipalities, educational facilities
  • Environmental facilities, waste treatment/disposal facilities, recycling

 

Transportation Pollution

Liability

 

Contracting Services
Pollution Liability

 

Products POLLUTION
Liability

 

Disposal Site

Liability