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Environmental and pollution liability covers a range of environmental risks that are often not included in other insurance policies.
Each policy is crafted to provide coverage for exposures such as gas leaks, contaminated soil, oil spills, overflows, and many other exposures that can damage the environment and create large cleanup costs.
Holding environmental insurance is a clear demonstration of the precautions the business has taken in managing its responsibilities.
Environmental pollution liability insurance is available for contractors, environmental consultants, fixed site facilties, storage tanks and environmental services among others.
While the need for pollution liability insurance is evident for companies whose business involves risks to hazardous waste exposure such as asbestos removal or service stations, many other businesses should also be protected.
Types of industries who might need cover:
Environmental and pollution liability insurance will cover you for bodily injury, property damage and environmental damage caused by pollution incidents arising from either
This insurance covers you while you are carrying out a job as well as your completed operations. This means that if there is a problem with hazardous waste materials after you have finished the job, you are still protected.
Pollution liability insurance also covers claims from third parties against bodily injury and property damage caused by hazardous waste materials released during your company's business operations.
Policy cover normally includes:
Pre-existing conditions or new conditions cover can be offered together or separately and there may be an option to include business interruption losses as well as statutory liability exposures cover.
Our brokers can advise you on the best business insurance solutions to protect you against environmental and pollution events. We can work with you to create a tailored, cost-effective insurance liability package to safeguard you against these risks. And in the event that a claim arises, we'll work with you to get a resolution.
A dairy company was fined in the Environment Court under the Resource Management Act after it discharged buttermilk into a treatment pond which resulted in odorous fumes escaping from the nearby wastewater treatment plant which ultimately caused a ‘stench’ in the local area. The dairy company's liability insurer paid the fine.
Public and product liability insurance minimises the financial impact on a business should the unexpected happen
Product liability insurance protects against claims of personal injury or property damage caused by a business
Directors and officers insurance protects your executives and board from personal financial risk
Statutory liability insurance can protect businesses against certain unintentional breaches of New Zealand law
An employers liability policy protects employers against claims brought by their employees who have sustained an injury where the ACC does not provide cover
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Crime and fidelity insurance protect organisations from losses which could arise from dishonest or fraudulent acts committed by employees
Professional indemnity insurance is designed for professionals who provide advice
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust