Environmental

Environmental issues can arise during any project, leaving owners, contractors, and developers vulnerable to claims of legal liability. This can create financial hardship and derail a project’s success. Our Site Pollution and Contractors Environmental (SPACE) solution helps protect against complex environmental exposures that can threaten a project.

Coverage highlights:

• Claims-made site pollution coverage with or without retroactive date
• Occurrence contractors pollution, transportation, and waste disposal
• Coverage for image restoration, disinfection event, and pre-claim event expenses
• Defense outside the limit of insurance
• Emergency response expenses without a sublimit
• Transportation including illicit abandonment beyond the boundaries of a covered property

 Our environmental protection insurance coverage (EPIC) policy from Ironshore provides businesses with comprehensive protection for general liability, environmental liability, and more — in a single package.

Coverage highlights:

• Worldwide coverage for pollution incidents arising out of your products, your work, non-owned locations, and transportation (regardless of where claim or suit is brought)
• Guaranteed cost general liability coverage
  • Emergency response expense at the full policy limits
  • Pollution liability during transportation
  • Products pollution liability standard in every policy
• Blanket non-owned disposal site coverage
• On-site pre-existing cleanup coverage available
• No silica or lead exclusion
• Non-auditable
  • Broad form named insured
  • Defense outside the limits and deductible, except coverage part III & IV
  • Blanket additional insured (ongoing/completed operations, vendors, leased equipment, managers/lessors of premises)
  • Blanket primary/non-contributory and waiver of subrogation
  • Misdelivery of liquid products

Environmental issues can arise during any project, leaving contractors vulnerable to claims of legal liability. Even in favorable circumstances, this can create financial hardship and derail a project’s success. Our Contractors Environmental Legal Liability (CELL) solution helps protect contractors against complex environmental exposures that can threaten a contractor’s bottom line and reputation.

Coverage highlights:

• Limits up to $50M
• Built-in coverage enhancements, including image restoration, disinfection event, and pre-claim event expenses
• Blanket covered operations for your work
• Blanket pollution liability during transportation (including first- and third-party transporters and misdelivery)
• Blanket coverage for non-owned locations
• Ability to schedule owned locations for pollution liability coverage on a time-element basis
• Defense expenses outside the limit of insurance, subject to the deductible
• Blanket additional insured on a primary and non-contributory basis subject to a written contract
• Electromagnetic fields, mold matter, and Legionella pneumophila included in the definition of pollutants
• Silt and sedimentation included in the definition of pollution incident
• Project and wrap policies available with up to 10 years of completed operations coverage

Our Site Pollution Incident Legal Liability Select (SPILLS) coverage from Ironshore helps protect businesses against third-party bodily injury and property damage claims because of a variety of environmental risks.

Coverage highlights:

• Limits up to $50M
• Broad definition of pollutants, including mold, Legionella pneumophila, electromagnetic fields, radioactive materials, and medical, infectious, and pathological waste
• First- and third-party on-site and off-site remediation of pollutants
• Third-party bodily injury and property damage including natural resource damage
• Pre-existing and new conditions
• Emergency response expenses
• First- and third-party blanket transportation coverage
• Blanket waste disposal activities coverage
• Business interruption coverage

Our storage tank liability policy from Ironshore helps cover first- and third-party liability resulting from releases from commercial underground and aboveground tanks.

Coverage highlights:

• Limits: $500K to $10M
• Broad appetite for underground and aboveground storage tanks of different ages and construction
• Fines and penalties included
• First-party discovery corrective action and cleanup costs during policy period or applicable extended reporting period
• Third-party bodily injury and property damage, including natural resource damages and medical monitoring costs
• Optional coverages available, including third-party blanket transportation and blanket waste disposal activities
• Online portal available to quote and bind quickly and easily
• Policy and financial certificates available online at bind

Our follow-form environmental excess solutions from Ironshore offer protection over primary policies for casualty, pollution legal liability, contractors pollution liability, and more.

Coverage highlights:

• Limits up to $50M
• Supported and unsupported excess available. For unsupported, underlying carrier must have an A- or better rating.
• Covered primary policies:
  • Contractors pollution
  • Fixed-site pollution legal liability
  • EPIC, auto liability, and employer’s liability
  • General liability, pollution liability, and environmental professional liability