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.

1. Premises Pollution Liability
2. Contractors Pollution Liability

• Cover for sudden, accidental and gradual pollution
• Remediation costs imposed by regulators
• Third-party legal liability, including bodily injury, property damage
• 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

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

• Read our Environment Contractors factsheet >
• Read our Environmental Risk Premises Pollution Liability factsheet >