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Environmental Risks
At a time when society is becoming increasingly aware of ecological issues and regulations are becoming more and more restrictive, our teams can help you deal with environmental risks.
Insure your risks
Any activity can result in the release of “polluting” substances, causing damage to people and/or the natural environment.
To meet these challenges, environmental risk insurance, which used to be limited to civil liability coverage, is now more akin to damage or “multi-risk” insurance.
It covers not only the company's civil liability, but also its administrative liability, by assuming responsibility for environmental damage (fauna, flora, water, soil), as well as damage suffered by the company itself as a result of the pollution (operating losses, site clean-up costs).
It applies to all companies, whatever their size or activity.
Warranty coverage
Covers apply :
- During the operation of a site: in the event of environmental damage, pollution migrating onto neighboring land or affecting protected areas in addition to impacting the insured's own site.
- During transport: when an accident or loss of goods affects third-party land, roads, rivers, water tables and/or protected areas, or the goods being transported, including in the event of a road accident.
- When an intervention on a third party's premises causes pollution affecting the third party's site, or that of neighboring properties, as well as environmental damage affecting protected areas.
What we cover
- Prevention and emergency costs: to neutralize, isolate or eliminate an imminent threat likely to cause damage to third parties or the environment.
- Environmental Liability: in the event of a claim by a third party for bodily injury, property damage or consequential or non-consequential loss, caused by pollution, whether accidental or gradual, or a nuisance occurring on the company's site, during the transport operation, including in the event of a road accident, or on a company worksite or any third-party site.
- Environmental liability: in the event of environmental damage caused by the company's activities, to water, soil and natural resources, for protected species and natural habitats, with or without a pollution incident.
- Ecological damage: covers the cost of damage assessment, study costs to determine remedial action, remedial measures in kind, administrative, legal and enforcement costs, data collection costs, overheads and monitoring and follow-up costs, e.g. for restoration work...
- Loss of business suffered by the Insured: in the event of business interruption due to pollution or environmental damage. loss of income suffered by the Insured in respect of real estate owned by him/her (loss of rental income).
- Clean-up and restoration costs: costs incurred by the Insured to repair damage to his or her business, such as the cost of cleaning up soil, water, buildings, tools and goods, including study and research costs.
- Civil defense, administrative and recourse costs incurred by the insured.
Our clients
All sectors, all company sizes:
- From very small businesses to CAC 40 companies, including local authorities
- Operator of a classified or unclassified site
- Whatever the sector: industry, renewable energies including hydrogen, logistics - transport, construction, etc.
- Whatever the activity: production, collection, transport, manufacturing, storage of all types of products, including hazardous materials
- Whatever the neighborhood: activities close to an urban, industrial or commercial area, to a facility open to the public, to land, to private dwellings... / activities close to a protected area or habitat...
Why chosose Howden ?
We're with you every step of the way, from the design and construction phases through to site operation and maintenance/intervention on third-party sites.
- Proximity: the presence of our offices throughout France provides the proximity and responsiveness essential to the smooth running of the relationships we wish to establish with our customers.
- International: our integrated international network means we can support you in over a hundred countries, enabling us to set up dedicated local environmental policies for global coverage of your risks.
- Reactivity: as soon as a claim occurs, we do everything in our power to manage events quickly and efficiently in order to limit their impact, and provide you with support to guide you through the process of having your claims handled by your insurance company.
- Focus on environmental liability guarantees: we offer environmental liability guarantees for periods of up to 10 years, enabling you to obtain rapid compensation in the event of the discovery of past pollution, without having to activate the sales contract.
Contact
Florence Bidard
Florence Bidard
Directrice Ligne Responsabilité Civile & Risques Spéciaux
Florence Bidard est diplômée d'une maîtrise de Droit des Affaires et d'un DESS de Droit des Assurances obtenus à l'université de Caen ainsi que d'un Master of European Law de l'université d'Edimbourg.
Florence débute sa carrière au sein du cabinet de courtage Impact assurances. Elle rejoint le groupe AIG en 1999, où elle exercera différentes fonctions de souscription et de management dans les départements risques financiers et responsabilité civile. Elle deviendra ensuite responsable du développement et de la relation courtage, en charge des délégations régionales.
Avant d’intégrer Howden France, Florence occupait le poste de Directrice du Département Responsabilité Civile et Environnement chez Liberty depuis 2018. Elle est ainsi nommée Directrice de la Ligne Produit Responsabilité Civile & Risques Spéciaux au sein d’Howden France en juillet 2023 et y apporte sa vaste expertise tant en matière de souscription que de gestion des relations clients.
