Environmental Impairment
Liability

EIL provides protection against Pollution activities and covers the cost of restoring damage relating to Environmental / Pollution accidents to property, land, sea, air or water. We have four main products available:

 

  • First Party / Premises cover
  • Third Party / Contractors cover
  • Storage Tank policies (above and below ground)
  • Combined General Liability & Pollution policies

 

 

Please choose from the below for more detail about each product.

Further Details

First Party / Premises Environmental Liability

There are many different scenarios as to why someone might need to have First Party / Premises Environmental Liability cover:

  • They could own a property where they have tanks or containers holding fluids, fuels or materials that if spilled could cause damage to the property, the environment or surrounding property
  • They could be building or constructing on the land they own which could cause an environmental impact as a result
  • Their business could be a seller of products such as pesticides or hazardous materials which are stored in warehouses on their property
  • They might be an owner of a large group of properties which are rented to multiple vendors with various activities. They might want a policy to protect themselves vicariously should their tenants not have adequate insurances

We are able to offer a wide range of coverage depending on the requirement, focus of the business and its activities. They are shown below:

  • First and Third Party Remediation cover. Triggered by a claim or First Party discovery
  • Third Party Bodily Injury and Property Damage – including First Party restoration costs
  • Environmental Resource Damage Expenses – including non-pollution events and prevention costs
  • Emergency Response Expenses
  • Blanket coverage for Transportation and Waste Disposal Activities (activity dependent)
  • Business Interruption coverage (activity dependent)
  • Asbestos coverage including Third Party Bodily Injury and Property Damage, Remediation Expenses for soil and groundwater and Remediation Expenses within structures arising from named perils
  • Comprehensive Bodily Injury coverage
  • Legal defence costs
  • Limits up to $50m
  • Terms up to 5 years

For a full list of business and activities we can cover please scroll down.

Third Party Pollution / Contractors Environmental Impairment Liability

There are many different scenarios as to why someone might need to have Third Party or Contractors Pollution cover. They might be:

  • A demolition contractor hired to clear a building on someone else’s property which could cause environmental damage (dust, asbestos, mould, lead) leakage to the surrounding air, land or water.
  • A farm contractor hired to spread fertilizers on fields which might cause damage to the wrong crops or surrounding water
  • A construction contractor hired to build a bridge across a river with heavy machinery and hazardous substances
  • A mining contractor hired to assist in a project for drilling
  • A waste disposal organisation hired to collect waste and move it to another location

We are able to offer a wide range of coverage depending on the requirement, focus of the business and its activities. They are shown below:

  • Third Party Bodily Injury, Property Damage or clean-up of environmental damage arising from a pollution incident
  • Statutory clean-up costs under the Environmental Liability Directive
  • Pollution incidents from transportation whether operated by the contractor or on their behalf
  • Blanket time-element site pollution coverage for owned and operated facilities
  • Blanket transportation including coverage for Bodily Injury, Property Damage, clean-up costs and statutory clean-up costs
  • Blanket covered operations
  • Legal defence costs outside the limits and not subject to the deductible
  • Emergency Response Expenses without a sublimit – no legal liability required
  • Blanket Additional Insureds where required by written contract
  • Cover of non-owned Disposal Sites (activity dependent)
  • Limits up to $50m
  • Terms up to 5 years for specific policies

For a full list of business and activities we can cover please scroll down.

Combined General Liability / Environmental Impairment Liability
Storage Tank Environmental Impairment Liability

Example of types of business we can typically cover:

  • Asbestos / Lead / Mould Abatement / Remediation
  • Air Quality Testing
  • Barrier / Liner Construction
  • Demolition / Dismantling / Excavation
  • Disposal Wells and Tailing Dams (case by case)
  • Dredging – Remedial
  • Electrical
  • Emergency Response Clean Up of Hazardous Materials
  • Environmental Risk Assessment
  • General Contracting
  • Health and Safety
  • Industrial Cleaning (NE)
  • Landfill Construction / Expansion / Capping
  • Landscaping
  • Logistics firms, Warehouses and Transportation
  • Manufacturing Firms (machinery, chemicals, food, pharmaceuticals)
  • Marine Construction and Other Marine activity
  • Metal Industries –Smelters and Steel Mills etc.
  • Oil & Gas Downstream – Bulk Storage, Blending, Refineries and Contractors involved in such processes
  • Oil and Gas Well Servicing
  • Oilfield Service Organisations
  • Pesticide / Herbicide / Fertilizer Application
  • Painting / Coatings Application
  • Pipeline (oil and gas)
  • Port Terminals – Bulk Storage, Warehousing of Goods, Waste Shipping
  • Power Generation – Gas, Oil, Coal-Fired
  • Renewable Energy – Waste, Biomass, Wind, Solar
  • Sampling of Groundwater / Soil
  • Soil / Groundwater Clean-up
  • Storage Tanks (Age Dependant) – Petrol Stations and Own Site Fuel Tanks
  • Tailing Dams and Injection Pumps
  • Tank Installation / Removal and Maintenance / Heating Oil
  • Tank System Design and Testing
  • Waste Arrangement
  • Waste Disposal and Hauling

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