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General Liability Pollution Insurance

What It Covers

  • Sudden Pollution Events: Immediate coverage for accidental pollution.
  • On-Site Pollution Incidents: Comprehensive protection for pollution on your business premises.
  • Third-Party Liability: Robust coverage for bodily injury, property, and environmental damage claims.

Top Coverages

  • Environmental Clean-up: Financial support for pollutant clean-up operations.
  • Legal Representation: Comprehensive legal assistance in pollution-related litigations.
  • Legal Representation: Comprehensive legal assistance in pollution-related litigations.

Examples of Claims

  • Emergency response to a chemical spill at a client’s location.
  • Legal action due to groundwater contamination linked to your operations.
  • Claims for property damage from unintended pollutant release.

Examples of Industries that may
need Pollution Insurance

Manufacturing Plants

Businesses that manufacture chemicals, plastics, metals, or other materials often handle substances that can be hazardous if released into the environment.

Construction Companies

Construction activities can disturb existing contaminants in the soil or introduce new pollutants. This includes companies involved in demolition, excavation, and building.

Waste Management &Recycling Facilities

These businesses handle a large amount of waste, including potentially hazardous materials, which could lead to pollution incidents.

Agricultural Businesses

Farms and agribusinesses often use pesticides and fertilizers, which can contaminate soil and water sources if not managed properly.

Auto Repair Shops and Garages

These businesses handle oils, lubricants, and other chemicals that can be pollutants. The risk is especially high if they work on large vehicles or machinery that require more hazardous materials.

Chemical Distributors

Companies that store and transport chemicals are at risk for spills and leaks that can cause environmental damage.

Petroleum and Gas Stations

These businesses are at risk for fuel spills and leaks, which can be costly and difficult to clean up.

Dry Cleaners

They use chemicals for cleaning clothes that can be harmful if not disposed of properly.

Mining Companies

Mining operations often involve disturbing the earth and using chemicals that can lead to environmental contamination.

Real Estate Developers

Developers may work on sites with unknown historical contamination or could inadvertently cause pollution during development activities.

Auto Pollution Liability Insurance

What It Covers

  • Transit-Related Pollution: Coverage for pollution during the transport of goods.
  • Accidental Spills: Protection for spills and accidents during transit.
  • Loading/Unloading Operations: Insurance for pollution incidents during cargo handling.

Top Coverages

  • Spill Remediation: Funding for cleaning up transportation-related spills.
  • Third-Party Damage Claims: Coverage for bodily injury or property damage claims.
  • Legal Defense Support: Legal representation in auto pollution disputes.

Examples of Claims

  • Cleanup operation for oil spills from a transport vehicle accident.
  • Damage liability for pollutant discharge during cargo handling.
  • Remediation expenses for a tanker accident on a highway.

Commodities that Should Have
Pollution coverage

Fuel and Petroleum Product

Transporting gasoline, diesel, and other petroleum products poses a high risk of environmental contamination in the event of a spill.


This includes industrial chemicals, agricultural chemicals like pesticides and herbicides, and household cleaning products.

Hazardous Waste

Transporting medical waste, industrial waste, or any waste designated as hazardous under environmental regulations.

Asphalt and Road Materials

These can include tar and other materials used in road construction and maintenance, which can be harmful if released into the environment.

Paints and Solvents

These materials can be harmful to the environment due to their toxic and potentially flammable nature.

Agricultural Nutrients and Fertilizers

These can cause contamination if they leak or spill during transportation.

Biohazardous Materials

This includes materials that are a biological risk, such as medical waste or biological research materials.

Bulk Liquids and Gases

This category includes not only hazardous liquids and gases but also substances like milk or liquid food products, which can create environmental hazards if spilled in large quantities.

Radioactive Materials

Transporting radioactive materials used in medical treatment, research, or power generation.

Refrigeration Gases and Liquids

These can include Freon and other gases used for refrigeration and air conditioning systems.

Explore your Pollution Insurance options and ensure you’re fully covered.

Contact us today for personalized advice and assistance with Pollution Insurance.

Frequently Asked Questions (FAQs)

General Liability Pollution covers premises-based incidents, while Auto Pollution addresses transport-related incidents.

No, intentional pollution acts are typically excluded from these policies.

Coverage limits are based on your business’s specific risk profile, which our experts can help assess.

Yes, integrating both policies offers comprehensive environmental risk coverage.

Contact us immediately for guided assistance through the claim process.

While not always mandatory, it’s crucial for businesses with potential environmental liabilities.

Coverage for mold and asbestos can be included, subject to policy terms.

This depends on the policy structure; some include legal fees within the limit, others separately.

It protects small businesses from potentially devastating financial losses due to pollution incidents.

Yes, we offer tailored solutions to meet the unique needs of various industries.