| Customer Profile -
any location that may have materials onsite which could
have caused the necessity for onsite cleanup, or third
party bodily injury, or property damage claims. Possible
groups can include manufacturing, landfills, utilities,
healthcare, warehousing, treatment storage disposal
facilities (TSDFS), agriculture, sites with storage
tanks, research facilities, laboratories, universities
and general industry.
Pollution Legal Liability
Policy Highlights:
- Claims made policy
- Sudden and gradual coverage for any third party
liability claims including defense (within policy
limits)
- Can be tailored to provide historical as well as
ongoing coverage.
- Locations to be covered are scheduled in the policy
- Policy has broad definition of environmental impairment
- Premiums are as low as $3,500
- Limits as high as $50,000,000
- Minimum premiums for tank sites $500
- General liability coverage may be included for some
facilities
First an Third Party Pollution Liability
Policy Highlights:
- Policy includes all coverage(s) outlined above
- Also includes trigger for discovery of onsite release
- Covers all expenses for claims investigation, adjustment
and defense
- Defense is within policy limits
- Onsite third part BI/PD
Other Coverage Enhancements
- Transportation by or on behalf of the insured
- Non-owned disposal site
Remediation Programs
Policy Highlights:
- Cost cap for remediation projects
- Self insured retentions in excess of project estimates
- Brownfields restoration can be covered
Lender Liability / Property Transfer
Policy Highlights:
- Protects against losses resulting from pollution
incidents
- Insures sellers for divestitures or purchases of
property for buyers and lenders
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