Commercial General Liability insurance is an essential tool for running a business. Liability insurance protects the assets of your business in the event of an injury or property damage. Examples of General Liability claims can include bodily injury, property damage, personal injury and advertising injury as well as the associated legal costs.

OneBeacon Environmental can help your business reduce its environmental risks by offering a comprehensive package of insurance and risk management products — all on one integrated policy form.

Designed for environmental firms, the enviro@vantage policy integrates Commercial General Liability with Contractors Pollution Liability and Professional Services Liability.

Additional coverage parts are available, including Transportation Pollution Liability, Non-Owned Disposal Site Liability, and Environmental Premises Liability. Business Auto and Follow-Form Excess can be written in conjunction with this policy.

Coverage highlights include:

  • Limits of liability up to $15,000,000
  • Occurrence and claims-made coverage forms
  • Mold coverage on an occurrence or claims-made basis
  • Additional terms available by endorsement, including additional insured and waiver of subrogation, primary/noncontributory wording, additional supplementary payment limit, and silt and sediment coverage
  • Deductible credits for mediation
  • Transportation pollution liability including first-party and third-party carrier transportation pollution
  • Expanded definitions include:
    • Environmental damage includes emergency response costs
    • Pollutants include viruses and bacteria including legionella pneumophila, low-level radioactive waste, electromagnetic fields and mold
    • Pollution conditions include illicit abandonment

Products Pollution Liability is available for a manufacturers and distributors of commercial and industrial environmentally related products including pollution testing and remediation equipment and systems, and filtration equipment

Target Industries include:

Environmental contractors whose operations include:

  • Asbestos, lead, radon and mold abatement
  • Storage tank installation, cleaning and removal
  • Crime scene and meth lab cleanup
  • Soil and groundwater remediation
  • Drilling and geoprobe (environmental focus)
  • Medical and biohazard waste collection and disposal
  • Alternative and green energy contractors including solar and geothermal installation contractors
  • Industrial cleaners

Environmental consultants whose operations include:

  • Asbestos, lead, radon and mold testing
  • Site assessments, remedial design and oversight
  • Compliance and permitting
  • Air testing and permitting
  • Storage tank design and testing
  • Wetlands delineation
  • Industrial hygiene and health and safety
  • Waste brokering
  • Analytical laboratories (environmental focus)

Environmental-related facilities whose operations include:

  • Landfills, transfer stations, recycling facilities and wastewater treatment