Environmental Insurance

Environmental insurance that leaves no stone tarnished or unturned.

Pollution events can impact businesses, properties, and surrounding communities. 

Fortunately, pollution incidents don’t happen often, but, when they do, they can be costly. Even minor pollution incidents can have long-lasting impacts. In many cases, the cost of business interruption, reputational harm, legal defense, and bodily injury and property damage claims can far exceed remediation expenses.

Since the 1980s, most commercial general liability (CGL) policies contain an absolute pollution exclusion. This eliminates or severely limits coverage for claims associated with a pollution condition, leaving significant gaps in coverage.

Environmental insurance helps close these gaps. It gives companies the financial footing to respond quickly, meet compliance obligations, and protect their balance sheet from liabilities that can surface long after the original incident. 
 

Environmental insurance helps enable the financing, redevelopment, and sale of contaminated property.

In many cases, these retired sites remain idle for years because buyers, lenders, and investors are unwilling to assume uncertain clean-up obligations, third-party liability, or reopener claims. 

A well structured environmental insurance program can help transfer that risk away from the transaction parties by providing coverage for unknown pre-existing pollution conditions, legal defense, third-party bodily injury and property damage claims, and more. This risk transfer can make a property easier to finance and more marketable by giving buyers, sellers, and capital providers greater confidence that environmental liabilities will not derail the transaction.

For impaired sites, environmental insurance is a practical tool that helps bridge gaps between buyers and sellers, support negotiations around indemnities and escrows, and create a clearer path to closing and eventual redevelopment.
 

We can place coverage that others can't, and negotiate terms that reflect your risk, not a generic policy.

Insurance is a relationship business, and we've spent years nurturing relationships with A-rated environmental risk carriers. This trust and access translate into more options, stronger terms, and better coverage for your specific needs.