Who we can help
A closer look at your exposure.
Chemical manufacturers, blenders, importers, distributors and businesses storing or transporting chemical products.
A chemical business may face fire, contamination, product and pollution exposures at the same time. The substances involved, their quantities and how they move through the operation are essential details.
What to discuss with your broker
Property & equipment
Review buildings, tanks, production equipment, combustible materials and fire protection.
Products liability
Discuss formulation, labelling, end uses, export territories and quality controls.
Environmental liability
Consider sudden and gradual pollution exposures, cleanup responsibility and off-site impacts.
Transit & interruption
Review transport arrangements, containment, supplier dependencies and recovery plans.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Product inventory, safety data sheets and annual volumes
- Storage and containment details, site plans and fire protection
- Customer uses, markets, transport contracts and disposal routes
- Environmental reports, emergency plans and loss records
A question worth asking
Does general liability address all pollution exposures?
Pollution exclusions and limitations can leave significant gaps. Review a separate environmental insurance option against the actual substances, locations and transportation activities.