Your general Public Liability insurance policy offers very little in the way of protection from environmental issues and damage, you essentially have standard “sudden and unforeseen” cover under the public liability insurance. This gives no express protection for clean-up of contaminated soil and water. The vast majority of pollution conditions are caused gradually and not due to a specific accidental release.
An Environmental Impairment Liability policy provides protection against a full pollution condition defined as “the discharge dispersal release escape migration or seepage of any solid liquid gaseous or thermal irritant pollutant or contaminant including smoke soot vapours fumes acids alkalis chemicals hazardous substances hazardous materials and waste materials into or upon land or buildings or structures thereon the atmosphere surface water or groundwater”.
An Environmental Impairment liability policy provides cover for any remediation costs imposed by regulators, third party liabilities including bodily injury, property damage and nuisance, trespass and obstruction, any losses arising from transportation of product, business interruption, legal costs and expenses and cover for sudden & accidental and gradual pollution.
Please contact us for further information or a quotation.