Environmental Liability

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Risk Covered:

  • Bodily injury (mirrors and sometimes enhances the definition used in the general liability (GL) policy)
  • Property damage (mirrors and sometimes enhances the definition used in the GL policy)
  • Cleanup expenses (usually as required by environmental laws with available enhancements by class of business)
  • Defenses costs (usually included within the limit of liability)

Extensions:

  • Non-owned waste disposal sites
  • Transportation of pollutants as cargo
  • Business interruption
  • Loss of rents
  • Extra expense
  • Reputational damage
  • Midnight dumping on insured locations
  • Coverage for fungi/bacteria as defined pollutants
  • Amended definitions of cleanup costs for contaminants that are not regulated as hazardous materials (fungi/bacteria)
  • Reputational damages