Professional Indemnity Insurance for Environmental Consultants is generally written on a claims-made basis. Environmental issues can emerge long after the original services were performed, making continuous cover and notification particularly important.

What does claims-made mean? #

Broadly, the policy in force when a claim is made, or a relevant circumstance is notified, is usually considered, subject to its wording and applicable law.

The underlying assessment, report or advice may have been completed years earlier.

What is a retroactive date? #

The retroactive date identifies how far back covered professional services may have been performed. It may be a specified date, the date Professional Indemnity was first arranged or unlimited.

The applicable date should appear on the policy schedule.

Why is historical cover important? #

Environmental claims can involve the delayed discovery of contamination, incorrect assessments, remediation problems, long-term impacts or errors in historical reports.

Changing insurer with a later retroactive date can create a gap for earlier work. Provide the expiring schedule and full insurance history when replacement terms are arranged.

When should a circumstance be notified? #

Notify Webber Insurance promptly about disputed findings, alleged report errors, significant contamination disputes, client allegations or regulatory concerns involving the professional services.

Do not wait for legal proceedings. Preserve the contract, scope, reports, field records, laboratory results, correspondence and other relevant project documents.