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Pollution Legal Liability

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The Risk

Organizations that deal with hazardous substances face the risk of legal liabilities arising out of emission, discharge, release, or escape of any contaminants, irritants, or pollutants into or on land, the atmosphere, or any water course or body of water, which may result in "environmental damage."

The Solution

Pollution Legal Liability Insurance, also known as environmental legal liability insurance policy pays on behalf of the Insured, the sums the Insured is legally obligated to pay as a result of emission, discharge, release, or escape of any contaminants, irritants, or pollutants into or on land, the atmosphere, or any water course or body of water, provided this results in "environmental damage." This policy also provides on and off-site coverage for property damage, bodily injury and cleanup costs triggered by pollution conditions and associated activities. It pays for defence of any claim or suit that is the subject of this insurance.

The Cover

Using a range of insurers, we are able to arrange medical Pollution Legal Liability Insurance offers broad environmental coverage, which can include coverage for:

  •  On-site cleanup for Insured properties triggered by first-party discovery
  •  Third-party claims for bodily injury, property damage and cleanup costs (both on and off-site exposures)

Using a range of insurers, we are able to arrange medical Pollution Legal Liability Insurance offers broad environmental coverage, which can include coverage for:

  •  Premises
  •  Off Premises
  •  Transportation (owned and non-owned vehicles)
  •  Disposal Sites
  •  Business Interruption

Natural resource damages are defined and covered in the definition of property damage.

Includes a notice of possible claim provision for new conditions.

Policy provides option for extended reporting period.

Covers both sudden and gradual pollution conditions.

Cover Includes

  •  Liability for unknown historical releases (on- or off-site sources)
  •  Regulatory agency “re-openers” on previously closed pollution issues
  •  Borrower default on mortgage due to environmental clean-up or litigation
  •  Releases of, or materials left behind by tenants
  •  Indoor Air Quality (IAQ) & Mold/Microbial Matter
  •  Buried surprises
  •  Inadvertent releases of new contaminants during operations/maintenance activities
  •  Exacerbation of existing conditions in soil or groundwater
  •  Failure to identify/evaluate possible contamination on site
  •  Failure to properly locate pipelines or other utilities
  •  Project management errors or omissions leading to pollution

For Further Information Contact:

Mr Vibhaw Kumar

Senior Vice President – Liability & Special Risks

Telephone

+91-22-6655 8810

Email

vibhaw.kumar@howdenindia.com