INSURANCE FOR BUSINESS

Environmental Liability Insurance

There are a number of ways in which your business activities could cause environmental damage, ranging from your property’s current land use or historical use of the site through to a gradual leakage of oil in to a water supply from an oil tank on your site.

Recent UK and EU legislation has significantly increased the potential costs of remediating the damage caused. Environmental issues also need to be dealt with rapidly to protect the reputation of your business.

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Why choose us?

Risk Identification

Helping you identify environmental risks and potential liabilities.

Risk Management

Cost-effective programme addressing legacy exposures or future environmental issues

Claims Support

Dedicated team available in the event of a claim.

Gradual Cause But Potentially Massive Clean-up Cost.

Consider the possibility of unforeseen and unexpected pollution, gradually building up on your land or seeping into the water table over time.

This could have a massive impact on your business, leaving you with a sizeable bill for the clean-up and potentially additional works to ‘make good’ on the damage done – a process that could take years and by very costly.

Gradual Cause But Potentially Massive Clean-up Cost.

Consider the possibility of unforeseen and unexpected pollution, gradually building up on your land or seeping into the water table over time.

This could have a massive impact on your business, leaving you with a sizeable bill for the clean-up and potentially additional works to ‘make good’ on the damage done – a process that could take years and by very costly.

Available Cover

Environmental liability insurance (ELI) covers the cost of restoring damage caused by environmental accidents, such as pollution of land, water, air, and biodiversity damage. A Public liability insurance policy will only cover pollution claims caused as the result of a sudden cause and will not cover you for gradually operating causes of pollution in the same way as an ELI policy will. Environmental liability insurance covers the cost of repairing environmental damage arising from both common law claims, and claims arising from UK and EU legislation.

In particular, ELI provides cover you with cover for:

Both Sudden Pollution and Gradual Pollution and Can Cover Pollution In Many Forms

  • Soil pollution
  • Air pollution
  • Water pollution
  • Offensive odour
  • Oil storage pollution
  • Noise pollution
  • Damage to natural resources
  • Other pollution and environmental damage

 Also covers:

  • First party (your own site) clean up costs imposed by regulatory authorities
  • Third party liability including any impact on property value
  • Nuisance claims
  • Legal costs and expenses
  • Damage to your commercial reputation and standing in your local community.

 

Please contact us if you need any help in this area and one of our account executives will be glad to help you.

A Motor Trader had an oil tank that developed a leak in the underground pipe. Over time the oil contaminated soil and groundwater, contaminating both the car dealer’s land and surrounding property. The Environmental Liability Insurers dealt with the claim to mitigate the insured’s liability to the regulator and the adjacent property owners. The legal costs alone came to £85,000.

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R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

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