Securing Environmental Premises Liability is a vital part of your risk management strategy. Even the smallest pollution exposure can create huge challenges for property owners, operators and developers. Staying ahead of the many environmental risks around your business property is a key tactic to ensuring you are ready for anything. OneBeacon's Environmental Premises Liability product line can be tailored to address the coverage needs of a variety of environmental and pollution liabilities.

Environmental Premises Liability coverage highlights include:

  • On- Site and Off- Site Cleanup Costs with the flexibility to tailor coverage for first party discovery and third party liability
  • Third Party Liability Claims for Bodily Injury and Property Damage from Pollution Conditions
  • Transportation Pollution Liability (owned and contingent)
  • Non-Owned Disposal Site Liability
  • Contractors Pollution Liability for off-site work performed by the named insured
  • Responds to sudden and accidental pollution conditions as well as gradual
  • Emergency response costs included and allows for costs incurred by the insured)
  • Crisis Management by endorsement
  • Coverage for above ground storage tanks, with coverage for known underground storage tanks available by endorsement
  • Endorsement options to address mold coverage
  • Expanded definitions:
    • Cleanup costs provided for asbestos and lead-based paint in the soil and groundwater at a covered location
    • Pollutants include low-level radioactive waste, electromagnetic fields, silt and sediment, and viruses and bacteria including Legionella pneumophila.
    • Pollution condition includes illicit abandonment at a covered location or during transportation of cargo by a carrier
    • Property damage includes diminution in value and natural resource damage

Target industries include:

  • Airport hangers
  • Automotive sales and service facilities
  • Commercial and retail properties
  • Commodity recycling facilities
  • Contractors equipment yards
  • Educational facilities
  • Electronic recycling and refurbishing facilities
  • Landfills and transfer stations
  • Light industrial and manufacturing locations
  • Medical offices
  • Recreation locations including golf courses and marinas
  • Research and development facilities
  • Residential properties
  • Self-storage facilities
  • Warehouse and distribution facilities
  • Wastewater treatment facilities
  • Waste treatment facilities