SWGENVIRO Environmental Pollution Insurance is designed for the unpredictable, costly exposure that every business needs to consider as part of its risk management program. While many pollution-related incidents can be prevented, there is always the possibility for an unexpected spill, contamination, or environmental condition to occur or surface. Environmental insurance policies cover clean-up requirements, first- and third-party claims for bodily injury, property damage, and associated legal expenses resulting from pollution or contamination events for which your business may become responsible; whether such events are "sudden and accidental" or "gradual" in nature.

Clients in every industry are subject to environmental risk and liability, making the need for a customized pollution insurance program essential in managing their exposures. Our environmental insurance products are designed to provide our clients with the broad coverage they need to protect their business from clean-up costs, defence costs, and legal obligations.

At SWG we provide customized coverage for Premises Environmental Liability, Contractor’s Environmental Liability as well as coverage for Storage Tanks. In many cases, we can provide all three categories under one customized policy, with limits starting at $250,000 up-to $5,000,000.

A Good Submission should include:

  • Fully completed applications
  • Detailed description of the client’s operation or product, including split in Revenues per operation.
  • Length of time your client has been in business and his/her experience.
  • Information on prior coverage and detailed claims history, including a loss run from prior insurer, where applicable.
  • Prior policy limits, deductibles and, most important, required retroactive date coverage.
  • Integrity test results for underground storage tanks as well as cathodic protection test results, where applicable.
  • Full description of storage tanks.
  • For Premises where boundaries are not clearly defined, a google maps screen-shot outlining premises boundaries will be greatly appreciated.



BOLDED ITEMS ARE COMBINED PROGRAMS FOR SPECIALTY INDUSTRIES AND PROFESSIONS

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