Environmental Liability Insurance
Guardian Insurance Agency
Pollution risks are real. Costs are bigger.
Stricter regulations. Higher scrutiny. One spill or slow leak can trigger cleanup orders, lawsuits, and business interruption. Environmental insurance helps fund the response—so you can contain the damage and keep work moving.
What environmental insurance does
It’s built to cover pollution conditions your general liability policy typically excludes. The right form can help pay for:
- Cleanup and remediation—on‑site and off‑site.
- Third‑party claims—bodily injury, property damage, and natural resource damages.
- Governmental action—investigations and certain civil penalties where insurable.
- Business interruption & extra expense during cleanup.
- Crisis management & public relations to protect your reputation.
Common exposures it can address
Every operation is different, but these risks surface often:
- Sudden & accidental releases (burst lines, tank failures).
- Gradual pollution (long‑term seepage you didn’t know was there).
- Mold, asbestos, and lead (assessment, abatement, claims).
- Transportation—pollution while moving materials or waste.
- Contractors Pollution Liability (CPL)—worksite releases during construction, remediation, plumbing/HVAC, landscaping.
- Site Pollution Liability (SPL)—ongoing or historical contamination at owned/leased premises.
- Storage tanks—above/below ground tank leaks and compliance.
- Products pollution—pollution caused by products after sale (policy‑dependent).
Why business insurance alone is not enough
Standard GL policies usually exclude pollution. That means cleanup costs, regulatory orders, and many contamination claims won’t be covered unless you carry dedicated environmental insurance. If you touch oils, solvents, fuels, wastewater, hazardous materials, or operate older sites with uncertain histories, a pollution policy helps close the gap.
Policy types and how they work
- Claims‑made coverage: Responds when the claim is made, not when the release occurred; mind retroactive dates and prior acts.
- Occurrence forms (limited availability): Triggered by the event itself.
- Tails / Extended Reporting Periods: Useful after sale, closure, or major changes.
- Defense inside vs. outside limits: Know whether legal costs erode your limit.
- Change‑in‑law updates: Some policies adjust to new regulations to reduce gaps.
What influences price
- Industry and operations (manufacturing, contracting, property ownership).
- Site history and nearby waterways/sensitive habitats.
- Materials handled, waste streams, and storage tanks.
- Controls and compliance (testing, secondary containment, monitoring).
- Prior claims and required limits/retentions.
Helpful endorsements & companion coverages
- Contractors Pollution Liability (CPL)
- Site Pollution Liability (SPL)
- Transportation pollution
- Storage tank coverage
- Mold/asbestos/lead specific endorsements
- Umbrella/Excess to extend limits
- E&O / Professional Liability for consultants/environmental services
- Cyber (ICS/OT, ransomware on control systems)
- General Liability & Property (aligned to avoid gaps)
The Guardian way
We map your sites, materials, and contracts.
We right‑size limits and retentions.
We place the policy form that fits your risk—CPL, SPL, tanks, transportation—and tighten language on defense, reporting, and change‑in‑law.
When a release happens, we move fast: cleanup funding, counsel, and communications.
Guardian Insurance Agency — Proper protection—prior to peril.
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