ENVIRONMENTAL LIABILITY INSURANCE

With the environment becoming an area increasingly under the spotlight by Federal & State governments, Non-Government Organisations and the community at large, business can inadvertently face major uninsured risks if steps are not taken to protect themselves. With a suite of innovative Environmental Liability policies now available, businesses can now purchase affordable cover for this exposure.

Premises Pollution Liability

A Premises Pollution Liability policy is designed to offer protection against a broad range of first and third party environmental liabilities. This includes gradual, as well as sudden and accidental pollution incidents. The policy itself offers an array of coverages.

Coverage Summary

• Coverage for remediation costs for claims from government agencies for pollution on, at, or emanating from the insured locations (first & third party remediation costs)
• Third party coverage for bodily injury, property damage, and remediation costs for pollution on, at, or emanating from the insured locations
• Third party coverage for bodily injury, property damage, and remediation costs arising from pollution conditions caused during the transportation of wastes or products
• Coverage for legal defence expenses for any claims covered under the policy
• Coverage is not excluded for emotional distress or mental anguish claims
• Coverage is available for mould related claims
• Remediation costs include replacement costs
• Coverage is available for multinational exposures

Contractors Pollution Liability

A Contractors Pollution Liability policy is designed to offer protection for third-party environmental liabilities arising out of the covered operations of the client. An array of coverage is available for the insured & their subcontractors with each solution tailored to meet their specific needs.

Key Benefits

• Coverage for sudden, accidental and gradual pollution
• Coverage on a practice or project specific basis
• Pollution ‘wrap-up’ solutions available for remediation or construction projects
• Automatic coverage for biodiversity (natural resource) damage
• Coverage for damage to third-party property including diminishment in value

Coverage Summary

• Liability for third-party bodily injury, property damage, trespass, puissance or obstruction
• Indemnity for clean-up costs incurred by the insured in relation to such third-party claims
• Costs and expenses included for all claims within the policy limits

Errors and Omissions can also be included in professional liability coverage as an extension to the CPL policy. This will provide coverage for third-party claims due to pollution conditions, which arise out of the errors or omissions of the insured whilst performing professional services.

Storage Tank Liability

Storage Tank Liability Insurance Policy is designed to offer protection against sudden and gradual first and third party environmental liabilities arising from a storage tank at a covered location.

The policy  offers a tailored solution to meet the specific needs of facilities with on-site storage tanks.

• Tailored policy covering pollution incidents emanating from storage tanks
• Coverage for sudden, accidental and gradual pollution
• Policy can be underwritten from the application form and supporting information only
• Automatic coverage for natural resources damage (biodiversity)
• Damage to third-party property including diminishment in value

Coverage Summary

•  Liability for third party bodily injury & property damage
•  Indemnity for clean-up costs incurred by the insured in relation to a storage tank incident
•  Legal defence expenses incurred in relation to a covered incident
•  Coverage for fines and penalties against an insured company

Typical Client Profile

• Automotive petrol & service stations
• Commercial/Industrial facilities
• Automotive dealerships
• Municipalities
• Airports
• Hospitals
• Manufacturing plants

John has had my utmost respect and confidence when it comes to any insurance matters relating to my business…we had a major flood in the shop. John arrived almost immediately to take full control. We were able to relocate our business overnight and continue trading the next day. I would recommend John without any hesitation

Peter Wynn, Rugby league legend and owner of Peter Wynn's Score Sports Store

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