Environmental responsibility

At Howden, the independent broker is supported by our specialist teams in a wide range of insurance products, including environmental liability.

Your insurance needs are our goal.

The complexity of the commercial insurance market is constantly increasing. In recent years, we have seen a global expansion of environmental legislation, and environmental, social, and sustainability issues are now at the top of companies' agendas in boardrooms. A more restrictive legislation could mean that your company's equity could be affected if you have not addressed your environmental risks.

We help through The Howden Way to analyze your insurance profile, assess your risks, and recommend insurance solutions, and most importantly, we will continuously monitor your company's needs in line with developments.

We are experts in the details.

In a complex and ever-changing market, the devil in the details is more important than ever. Even minor differences in insurance terms can have a significant impact on your business.

Our specialists are dedicated to identifying these details, enabling us to guide you and your company in selecting the right, tailored solutions. At the same time, we provide you with the necessary understanding of your risk exposure to ensure the foundation of a strong and healthy business.

Coverage	Business liability	Property/building	Motor liability	Environmental responsibility
Sudden and accidental pollution on a third-party property	Covered	Not covered	Not covered	Covered
Gradual pollution from own property affecting both own and third-party property	Not covered	Covered*	Not covered	Covered
Orders from authorities for, e.g., investigation and cleanup	Not covered	Not covered	Not covered	Covered
Damage to protected species and natural areas, in accordance with the EU directive on biodiversity damage	Not covered	Not covered	Not covered	Covered
Hazard mitigation costs related to damage on own property	Not covered	Not covered	Not covered	Covered
Pollution caused by motor vehicles or their cargo, where the policyholder is the carrier/responsible party	Not covered	Not covered	Covered**	Covered

*Covered, but only on own property and only in case of a covered claim, typically with a limited sum available.

**Covered, but only for civil claims and only if used as a motor vehicle.

Experience and market knowledge

Our specialists have decades of experience and a deep understanding of the need for concrete advisory services for businesses, covering both major and minor issues in a busy work environment.

There will undoubtedly be a need for guidance, dialogue, and concrete feedback, especially if damage affects your business or if you receive a public order from the municipality for investigation or cleanup. How are you covered if a neighbor files a compensation claim for pollution damage caused gradually as part of your business operations?

Our specialists have many years of experience, both with insurance companies and as insurance brokers. They are familiar with key stakeholders in almost all insurance providers and have in-depth knowledge and access to quick, competent partners. This helps your company clarify any issues related to a claim or uncover risks that may arise, even outside of the renewal period.

Would you like to learn more about environmental liability insurance?

Our specialists in each insurance type ensure that you receive the right coverage at the most competitive price.

Are you considering becoming a client?

Contact Casualty Practice Leader, Maria Dige Nielsen, for a non-binding conversation about environmental liability insurance.

Maria is available:
Monday – Thursday: 10:00 AM – 4:00 PM
Friday: 10:00 AM – 3:00 PM

Call: +45 26 21 44 96
Email: [email protected]

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