Who we can help
A closer look at your exposure.
Property owners, contractors, manufacturers, transport businesses and organizations with environmental exposures.
An incident can involve cleanup, third-party damage, emergency response and interruption. Site conditions, historic use and where materials are transported or disposed of all affect the insurance discussion.
What to discuss with your broker
Site pollution
Review scheduled locations, historic conditions, storage systems and off-site migration.
Contractors pollution
Discuss work performed at other people’s premises and resulting contamination exposures.
Transportation & disposal
Consider pollution during transit and responsibility associated with third-party disposal sites.
Response & recovery
Review emergency response, cleanup costs, third-party liability and interruption options.
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.
- Site addresses, operations and environmental assessments
- Chemicals, tanks, waste streams and containment measures
- Project scopes, hauling arrangements and disposal locations
- Known conditions, prior incidents and remedial work
A question worth asking
Will a policy cover contamination already known to exist?
Known conditions require disclosure and specific underwriting. Some terms may exclude or restrict them. Share environmental reports and remediation history at the start of the discussion.