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Industrial business operations often pose a risk of pollution or environmental damage. This may result in third-party or regulatory body claims for nuisance, bodily injury or damage to property, clean-up of contaminated areas, restoration of biodiversity, on-site or off-site, and legal defence expenses. With a global shift toward more sustainable and environmentally friendly business practices which affect profitability and business reputation, it is important to be adequately covered.
Insurance polices can be taken in various formats including but not limited to:
a. Contractors Pollution Liability Insurance
This policy is best suited for operations or projects undertaken at a
customer site. It covers third-party claims for bodily injury, death or
property damage caused by pollution events from a number of covered
exposures like movement of hazardous materials, toxic substances
released from building materials, hazardous materials released as a result
of a contractor-caused damage, water intrusion and mold growth caused
by a construction defect.
b. Professional Environmental Consultant’s Liability
This policy provides consultants with cover for third-party claims caused
by errors and omissions, strict liability from environmental law, and
pollution events arising out of covered operations performed by or on
behalf of the consultant.
The main areas covered include:
• Liabilities arising from gradual pollution
• Damages payable to third parties for sudden and accidental pollution
events (both on-site and off-site)
• Statutory (regulatory) requirement for clean-up of own site
• Statutory (regulatory) requirement for clean-up of pollution that has
• migrated off-site
• Damages payable to third parties for nuisance pollution risks
• Cover for liabilities arising from historic contamination (under separate
• on some policies)
• Emergency costs
• First-party business interruption