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You might think your general liability policy covers pollution incidents – but it doesn't. Most businesses discover this costly gap only after an environmental claim occurs. The Allen Thomas Group provides comprehensive environmental liability insurance that protects your business from pollution-related risks that standard policies exclude.
Get Smart, Affordable Environmental Protection – Call (440) 826-3676 for Your Free Pollution Insurance Quote Today.
Environmental liability insurance fills the dangerous coverage void left by general liability policies. Standard general liability and property insurance policies exclude most losses connected to pollution with very few exceptions, leaving businesses exposed to potentially devastating costs.
Your business faces environmental risk management challenges that require specialized protection:
Contamination Coverage: Accidental chemical spills, fuel leaks, or hazardous material releases
Third-Party Liability: Bodily injury or property damage claims from neighbors or employees
Regulatory Compliance: EPA cleanup requirements and environmental violations
Remediation Costs: Soil and groundwater cleanup expenses that can exceed $500,000
Legal Defense: Environmental lawsuits and regulatory enforcement actions
According to market experts, the frequency and severity of environmental claims is expected to see an increase in 2024, making protection more critical than ever.
Cost Reality Check: Pollution insurance can cost between $11,000 and $15,000 per year for $10 million in coverage, translating to approximately $1,100 to $1,500 per million dollars of coverage annually.
Pollution Legal Liability coverage protects against claims arising from contamination on your property. This site pollution coverage addresses:
Cleanup Costs: Soil remediation and groundwater treatment expenses
Third-Party Claims: Bodily injury and property damage from pollution migration
Business Interruption: Lost income during environmental remediation
Legal Defense Costs: Attorney fees for environmental litigation
Environmental impairment liability protection for contractors working with hazardous materials. The CPL market is very soft right now with a lot of capacity and carriers vying for this line of business, creating favorable pricing opportunities.
CPL Coverage Includes:
Site Pollution: Contamination caused during construction activities
Transportation Coverage: Hazardous material transport incidents
Professional Services: Environmental consulting liability protection
Remediation Expenses: Cleanup costs from contractor operations
Comprehensive environmental risk management solution covering both sudden and gradual pollution incidents. This coverage addresses:
Historical Contamination: Pre-existing site conditions discovered during operations
Brownfield Redevelopment: Coverage for contaminated property rehabilitation
Underground Storage Tank: Leaks and soil contamination from UST systems
Environmental Consultants: Professional liability for environmental services
PFAS (Per- and Polyfluoroalkyl Substances) represent the most significant emerging environmental liability risk. In April 2024, EPA finalized a critical rule to designate two widely used PFAS – PFOA and PFOS – as hazardous substances under CERCLA.
Why PFAS Coverage Matters:
Forever Chemicals: PFAS persist in the environment indefinitely, creating long-term liability
Regulatory Expansion: The final rule will reduce PFAS exposure for approximately 100 million people
Litigation Surge: At least fourteen PFAS-related coverage actions have already been instituted in ten states nationwide
Coverage Exclusions: It is becoming industry standard to see PFAS-specific exclusions on CGL policies
Our environmental liability insurance policies include PFAS protection options:
Legacy PFAS Coverage: Older policies without PFAS exclusions may provide coverage
Specialized Environmental Policies: Custom coverage for PFAS contamination risks
Professional Liability: Coverage for environmental consultants handling PFAS investigations
Regulatory Compliance: Protection against evolving PFAS regulations
Hazardous waste handling, chemical processing, and industrial manufacturing require comprehensive pollution liability protection. Key risk factors include:
Chemical Storage: On-site hazardous material inventory creating spill risks
Waste Generation: Industrial byproducts requiring specialized disposal
Air Emissions: Potential releases requiring EPA compliance monitoring
Water Discharge: Industrial effluent creating downstream contamination risk
Excess limit capacity has notably contracted, with carriers now typically offering US$5m to US$10m in coverage, compared to previous limits of up to US$25m, making proper coverage selection critical.
Construction Risk Exposures:
Soil Disturbance: Uncovering historical contamination during excavation
Fuel Storage: On-site diesel and gasoline creating spill potential
Hazardous Materials: Asbestos, lead paint, and mold exposure during renovation
Underground Utilities: Damaging pipelines or storage tanks during construction
Environmental risk assessment is essential for property transactions and ongoing ownership liability:
Due Diligence: Environmental site assessments revealing contamination
Tenant Operations: Third-party activities creating pollution liability
Historical Uses: Former industrial operations leaving residual contamination
Groundwater Migration: Off-site contamination impacting property values
1. Risk Assessment: We evaluate your specific environmental exposures and regulatory requirements
2. Coverage Analysis: Compare multiple carrier options to find optimal protection at competitive rates
3. Policy Customization: Tailor coverage limits, deductibles, and endorsements to your risk profile
4. Ongoing Support: Proactive policy reviews and claims assistance when environmental issues arise
Local Expertise, National Reach: Based in Akron, Ohio, serving over 20 states with specialized pollution legal liability knowledge
20+ Years Experience: We simplify the complex insurance process, saving you time and money on environmental coverage
Carrier Relationships: Access to multiple environmental insurance providers ensures competitive pricing and comprehensive coverage options
Claims Support: Our team provides expert guidance during environmental incidents and regulatory investigations
No, standard general liability policies exclude pollution coverage. The pollution exclusion is standard in many commercial general liability policies, and unless there is a specific provision that includes coverage for pollution-related losses, policyholders may not have the protection they assume they have.
Pollution insurance costs vary by industry and risk exposure. For contractors needing pollution liability coverages, minimum premiums typically start around $2,500 for $1 million in coverage. Factors affecting pricing include:
Business location and proximity to sensitive environments
Types and quantities of hazardous materials handled
Historical environmental compliance record
Coverage limits and deductible selections
PFAS coverage protects against "forever chemical" contamination liabilities. The Global Environmental Liability Insurance market is expected to witness a CAGR of 11.69% during the forecast period (2025-2030), driven partially by emerging contaminants like PFAS.
Any business handling hazardous materials or operating on potentially contaminated property needs environmental coverage:
Manufacturing and chemical processing facilities
Construction and demolition contractors
Waste management and recycling operations
Gas stations and automotive service centers
Dry cleaners and industrial laundries
Property owners and real estate developers
Environmental liability quotes can be provided within 24-48 hours for standard risks. More complex exposures requiring environmental consultants input may take 1-2 weeks for complete underwriting analysis.
Don't wait until it's too late. Environmental claims can devastate businesses unprepared for pollution liability costs. The Allen Thomas Group makes it smart and easy to secure comprehensive environmental liability insurance that protects your assets and provides peace of mind.
Ready to protect your business from environmental liability risks?
Call (440) 826-3676 for your free pollution insurance consultation today.Â