Environmental Liability Insurance is not limited to businesses traditionally viewed as major polluters.

A wide range of businesses can have environmental exposures.

What industries can consider the cover? #

Examples include:

• Property owners.
• Manufacturers.
• Construction contractors.
• Civil contractors.
• Environmental remediation contractors.
• Warehouses.
• Transport businesses.
• Waste businesses.
• Fuel-related businesses.
• Property developers.
• Commercial landlords.

Why can property owners face environmental liability? #

A property owner can sometimes face clean-up or remediation costs even where the pollution was caused by:

• A tenant.
• A former occupant.
• A contractor.
• Historical operations.

This can create an exposure beyond ordinary property insurance.

What about contractors? #

Contractors can create pollution exposures through activities such as:

• Excavation.
• Fuel handling.
• Accidental spills.
• Damage to underground services or tanks.
• Movement of contaminated soil.
• Remediation work.

How do I know if the exposure is material? #

Consider:

• Materials used or stored.
• Work undertaken.
• Previous site use.
• Nearby waterways.
• Underground tanks.
• Hazardous substances.
• Contractual requirements.
• Potential clean-up costs.

The risk can exist even where pollution exposure is not the business’s primary activity.