Statutory Liability Insurance can extend beyond workplace health and safety matters.

Depending on the policy, it can address proceedings arising from other areas of business regulation.

Can environmental legislation be covered? #

Potentially.

Businesses can face regulatory action relating to matters such as:

• Pollution.
• Waste disposal.
• Environmental licences.
• Contamination.
• Environmental incidents.

Statutory Liability may cover certain investigation and defence costs arising from an alleged breach.

Environmental Liability Insurance may also be relevant where there are actual pollution and clean-up costs.

What about privacy legislation? #

Some statutory liability policies can respond to specified proceedings arising under privacy legislation.

However, businesses should not assume that Statutory Liability replaces Cyber Insurance.

Cyber Insurance can address exposures such as:

• Data breaches.
• Incident response.
• Privacy liability.
• Cyber business interruption.

Can employment legislation be covered? #

Some policies can include specified employment-related statutory matters.

Separate Employment Practices Liability cover may also apply depending on the allegations.

Why can several policies become involved? #

One event can create multiple legal exposures.

For example, a data incident might result in:

• A regulatory investigation.
• A third-party privacy claim.
• Cyber response expenses.

Different parts of the loss can potentially fall under different insurance policies.

Early notification allows the policies to be considered together.