Protect your business and your peace of mind

• Pollution isn’t always sudden.
  It can build up over time think groundwater contamination or forgotten chemicals causing serious financial and legal exposure.
• Standard policies often fall short.
  General liability coverage usually excludes pollution events, or only covers one-time, accidental incidents. That leaves gradual contamination and cleanup costs hanging over you.
• Regulatory expectations are rising.
  Enforcement is tougher than ever. You need to show readiness financially and operationally to respond to incidents promptly and effectively.

• First Party Responses & Cleanup: For both sudden spills and slow-moving pollution—on-site cleanup, compliance with government orders, emergency response costs, and more.
• Third Party Liability: Protection against claims from neighbors, regulators, or other affected parties, covering bodily injury, property damage, and environmental harm beyond your fence-line.
• Natural Resource Restoration: Compensation for damage to ecosystems—land, water, flora, fauna—even groundwater and drinking supplies.
• Emergency Expense Support: Real-time reimbursements for swift, essential interventions (such as responding to a leak or contamination event that demands immediate action).

• Store or handle industrial or hazardous materials
• Operate fuel systems, waste management sites, or chemical processing
• Own or manage real estate, development, or excavation projects
• Run construction, landscaping, or utility services
• Hold mortgage or lending interests in at-risk properties

Q: Isn’t this the same as general liability?
A: No. General liability usually excludes environmental damage or limits it to sudden, accidental spills. Environmental insurance covers the full range including slow leaks and cleanup costs.

Q: How does it differ for on site vs. off site damage?
A: We cover damage to your property (like contamination on your land) and damage to other people’s property – which can include cleanup on neighboring sites or shared water sources.

Q: What if regulators demand remediation?
A: That’s first-party coverage – part of your environmental policy. We’ve seen orders demanding soil excavation, groundwater repairs, and more. We’ve built those costs in.