Environmental Liability Insurance

What is Environmental Liability Insurance? 

An environmental liability insurance policy can help protect your business from unexpected pollution exposures that your standard policies may not cover. 
 
Contaminated work environments can result in losses or damages, including third-party claims for bodily injury, property damage, and cleanup costs. Without environmental liability insurance coverage, your business would be financially responsible for cleaning up a spill or leak from an accident, job site, or larger claim—as well as covering any physical damage or bodily injury losses out-of-pocket. These expenses could add up quickly.

Why Do I Need Environmental Liability Insurance? 

You may need environmental liability coverage if you deal with potentially hazardous liquids in your facilities, vehicles, and at jobsites. Environmental liability coverage can also protect you, your employees, and your clients from damages or losses caused by mold, lead paint, asbestos, Legionella, or poor air quality. Industry- standard property and general liability policies may provide limited coverage for pollution cleanup and removal. Unfortunately, they often exclude bodily injury and property damage resulting from discharge, seepage, migration, release, or escape of pollutants.

*The specific coverage provided will depend on your policy.

Who Could Benefit From Environmental Liability Insurance?

Federated Insurance^® offers two types of environmental liability insurance policies: one that provides coverage for the petroleum industry and one that provides coverage for other industries. 

Some of the clients we partner with most who use environmental liability insurance work within these fields:

• Oil distributors
• Automobile dealers
• Farm and industrial dealers
• Petroleum and convenience store owners
• Contractor for commercial or residential builders
• Machine shops
• Print shops

Make sure your company is covered in the event of a pollution-related incident. To learn more about our environmental liability insurance, reach out to us today, or give us a call at 1-800-533-0472.

“The information herein is intended to provide general information and recommendations for risk prevention only.  It should not be considered legal advice or an offer of insurance.  The recommendations herein may help reduce the risk of loss, but there is no guarantee that they will result in reduced losses, claims, premiums, experience modification factors or general insurance costs. .  Coverage will be determined solely by the terms of your policy, if approved for issue.  Consult with a qualified professional to discuss questions specific to your circumstances.”