Many companies are at risk of causing environmental damage.

Our insurers respond to this risk.

Environmental risks threaten a wide variety of commercial organisations, including:

• Environmental services, such as waste treatment and disposal facilities;
• Energy and electricity production plants;
• Metal, plastic, textile, paper, chemicals (pharmaceutical, paint, pesticides) manufacturers;
• Transportation and logistics companies, including bulk storage terminals and warehouses holding chemicals or oil and oil-based products;
• Construction companies;
• Educational facilities;
• Hospitals;
• Food and dairy companies.

Environmental Liability Directive

In force across Europe, this directive sets the rules by leaning on the principle that the polluter always pays.  In other words, companies that cause environmental damage must take the necessary remedial action and bear all the costs.

General liability policies provide cover for damage to third-party property or injury but they do not normally provide cover for gradual pollution, environmental clean-up costs and contingencies such as business interruption and legal costs.  The new regulations require polluters to clean up the environment and perhaps even to provide additional compensatory or complementary resolution.

It is vital that you understand these changes and how they affect your insurance requirements now and in the future. Environmental damage legislation is under continual review and even a small change can leave you under-insured.  The expert underwriters that we work with can support you as regulations change and assist you by tailoring cover that meets your specific need.

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