Pollution / Environmental Impairment Liability Insurance

What is the Purpose of Environmental Impairment Liability Coverage?

Pollution Liability Insurance (also known as Environmental Impairment Liability Insurance) insures the pollution exposure associated with the insured’s property and operations, including costs of cleanup and remedial or corrective action due to a third-party demand or a government order.

Contractors' Pollution Liability Insurance is specifically designed to address the environmental impairment risks often faced by owners and contractors during the construction process.

Shopping for a Pollution Liability Policy?

Brunswick Companies' team of commercial insurance specialists provides the expertise to help you identify your exposures and simplify your insurance purchase, providing the information you need to make an informed decision. We will work with you one-on-one to identify the pollution liability coverage plan that suits your specific needs.

We offer Environmental Impairment Liability policies from wide range of top ranked insurers. With over 35 years of commercial insurance experience, we have the know-how and industry contacts to match your needs with the plan that best suits your goals.

What Does Environmental Liability Insurance Cover?

An Environmental Impairment Policy protects your company from the liability and financial loss that can result when a covered operation results in a pollution incident, including:

Third-party claims for bodily injury and/or property damage
Remediation (corrective) costs at third-party or government order stemming from pollution incidents resulting from the contractor's covered operations
Legal defense costs for any claim (however baseless) including any resulting judgments against you including court costs, up to the coverage limits of the policy

There are specific policies for remediation operations or abatement contractors. Coverage can address lead-based products, asbestos or numerous other hazardous substances.

Why Do I Need an Environmental Impairment Policy in Addition to a General Liability Policy?

The pollution exclusion in comprehensive general liability insurance effectively eliminates coverage for damages, bodily injury, property damage and clean-up costs arising from most types of pollution release. Consequently, tailor-made protection for the pollution exposure is essential.

For decades, businesses have trusted Brunswick Companies to provide cutting-edge insurance risk management. We have developed a team of insurance specialists who thoroughly understand the risks faced and the products available to protect them against these risks.

Improve the cost-effectiveness of your business insurance protection. Contact us today.