Pollution Liability

Pollution Liability

South Western Insurance Group Limited has an exclusive Environmental Product that is designed to protect businesses against existing and emerging environmental risks and liabilities.
 
Our product is fully backed by Underwriters at Lloyd’s of London. Our team operates to a fast turnaround, has competitive pricing, and takes a creative and flexible approach to underwriting.
Storage Tank Environmental Insurance
Our Storage Tank policy addresses the pollution risks associated with specified above ground and underground tanks, including integral piping, fill points, dispensers, pumps and vapor recovery systems.
 
Coverage is provided on a claims made and reported basis.
Coverage Highlights

 

  • Sudden and gradual pollution events
  • On-site and off-site clean-up costs
  • Reinstatement costs
  • Emergency response costs
  • Natural resource damages
  • Compensation for third party bodily injury and property damage
  • Civil fines and penalties
  • Punitive damages, where insurable by law
  • Legal defense costs
  • Loading and unloading

 

Optional Coverage Enhancements

 

  • Retroactive cover for historic pollution
  • Storage tank decommissioning and replacement works
  • First party business interruption
  • Transported cargo
  • Waste disposal / Non-owned disposal sites

 

 
Sector and Risk Appetite
We insure single or multiple storage tanks on a wide variety of sites including:

 

  • Gas bars, service stations and convenience stores
  • Bulk fuel terminals
  • Airports
  • Marinas
  • Truck-stops
  • Auto dealerships and car rental agencies
  • Farms
  • Residential units

 

We will consider tanks of any age and construction type, subject to satisfactory underwriting.
 
Product Parameters:

 

  • Minimum premium: $1,000
  • Minimum deductible:  $2,500
  • Limits: $500,000 to $40,000,000

 

 
 
Premises Environmental Insurance
 
Our Premises policy addresses the risk of pollution arising at specified premises. It protects against ongoing operational pollution risks, and/or address the risk of legacy liabilities arising from historic operations, which are often a concern on property transactions, mergers and acquisitions.
 
Coverage Highlights

 

  • Sudden and gradual pollution events
  • Broad definition of pollutant including asbestos & mould
  • Illicit abandonment of pollutants
  • On-site and off-site clean-up costs
  • Restoration costs
  • Emergency response costs
  • Natural resource damages
  • Compensation for third party bodily injury and property damage
  • Nuisance claims
  • Civil fines and penalties
  • Punitive damages, where insurable by law
  • Legal defence costs

 

 
Optional Coverage Enhancements

 

  • Retroactive cover for pollution from historic land uses
  • Transported cargo
  • Work conducted off-site at third parties’ facilities
  • Waste disposal / non-owned disposal sites
  • First party business interruption
  • Product pollution
  • Contractual liability e.g. in leases

 

Sector and Risk Appetite
We insure a wide range of companies in numerous sectors.

 

  • Manufacturing
  • Oil and gas
  • Petrochemical and chemical
  • Pharmaceutical
  • Electricity generation, transmission and distribution
  • Construction
  • Power and water utilities
  • Waste management
  • Logistics, transportation and warehousing
  • Real estate
  • Healthcare
  • Education

 

 
Product Parameters:

 

  • Minimum premium: $5,000
  • Minimum deductible:  $5,000
  • Limits of $500,000 to $40,000,000
  • Annual to multi-year policy periods of up to 5 years

 

 
 
Contractors’ Environmental Insurance
 
Our Contractors’ policy offers blanket or project specific cover for contractors work. We insure a wide range of public and private sector projects.
Coverage Highlights

 

  • Sudden and gradual pollution events
  • Broad definition of pollutant including asbestos & mould
  • Clean-up costs
  • Restoration costs
  • Emergency response costs
  • Natural resource damages
  • Compensation for third party bodily injury and property damage
  • Civil fines and penalties
  • Punitive damages, where insurable by law
  • Legal defence costs
  • Completed operations
  • Automatic coverage for contractors’ clients, if cover is required contractually

 

Optional Coverage Enhancements

 

  • Retroactive cover for historic work
  • Transported cargo
  • Waste disposal / Non-owned disposal sites
  • Professional services
  • Separate project-specific limits

 

 
Sector Appetite
We provide cover to a wide range of contractors including:

 

  • Asbestos & mould abatement
  • Civil
  • Construction management
  • Demolition
  • Dredging
  • Drilling
  • Electrical, Mechanical & HVAC
  • Environmental, including remediation
  • Fuel tank installation, removal and decommissioning
  • Haulage
  • Industrial processes
  • Landscaping
  • Oil and gas
  • Painting
  • Pest control
  • Plumbing
  • Restoration
  • Roofing
  • Septic tank installation and maintenance
  • Specialist
  • Utility operation and maintenance
  • Waste collection, transportation and treatment

 

 
Product Parameters:

 

  • Minimum premium: $1,000
  • Minimum deductible:  $1,000
  • Limits of between $500,000 to $40,000,000

 

 
Contractors’ Environmental Insurance (Project Specific)
 
Our product range comprises:

 

  • Contractors’ Environmental Insurance (CEI) – For contractors insuring themselves
  • Owners’  Environmental Insurance (OEI) – For project owners insuring themselves
  • Contractor-Controlled Environmental Insurance (CCEI) – For contractors arranging insurance for themselves, their client(s) and/or their subcontractors
  • Owner-Controlled Environmental Insurance (OCEI) – For project owners arranging insurance for themselves, their contractors, subcontractors and others with an interest in the project.

 

 
Coverage is provided on occurrence or claims made and reported forms.
 
Coverage Highlights

 

  • Sudden and gradual pollution events
  • Broad definition of pollutant including asbestos & mould
  • Clean-up costs (on-site and off-site)
  • Restoration costs
  • Emergency response costs
  • Natural resource damages
  • Compensation for third party bodily injury and property damage
  • Civil fines and penalties
  • Punitive damages, where insurable by law
  • Legal defence costs
  • Completed operations
  • Transported cargo

 

 
Optional Coverage Enhancements

 

  • Retroactive cover for historic work
  • Waste disposal / Non-owned disposal sites
  • Professional services (claims made only)
  • Waiver of subrogation

 

 
Sector Appetite
We insure a wide range of public and private sector projects including:

 

  • Construction of airports, ports, bridges, tunnels, railways, dams and other major infrastructure
  • Road construction
  • Mine construction and closure
  • Building construction
  • Contaminated land remediation
  • Installation of water, power and other utilities
  • Hazardous waste collection, transportation and treatment
  • Demolition
  • Dredging
  • Asbestos and mould abatement
  • Oil and gas exploration and development

 

Product Parameters

 

  • Minimum premium: $2,500
  • Minimum deductible: $2,500
  • Limits of between $1,000,000 and $40,000,000
  • Multi-year policy periods of up to 5 years

 

Applications for this product

Pollution – Storage Tank Environmental Insurance pdf
Pollution – Premises Environmental Insurance
Pollution – Contractors Environmental Insurance

Have Questions?
Give Us a Call:

1-800-668-4275

Request more information/
Submit Application for Quote

  • Drop files here or
    Accepted file types: pdf, jpg, jpegdoc, docx, xls.
    You may upload as many as 5 different files (.pdf, .doc, .docx, .jpg, .xls only).