Environmental Insurance

Environmental insurance designed to protect businesses and property owners when pollution events impact operations, property, or surrounding communities

Standard insurance policies often leave gaps when it comes to environmental exposures

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 legal defense costs, bodily injury and property damage claims, business interruption, and reputational damage can far exceed the actual remediation expenses.

Since the mid 1980’s most Commercial General Liability (CGL) policies have contained an absolute pollution exclusion. This exclusion eliminates coverage for claims associated with a pollution condition or severely limits it, leaving significant gaps in coverage.

Environmental insurance helps close those gaps. It provides 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 can play a critical role in facilitating the sale, financing, and redevelopment of contaminated property

In many cases, these retired sites remain idle for years because buyers, lenders, and investors are unwilling to assume uncertain cleanup 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, third-party bodily injury and property damage claims, legal defense, 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.
 

Strong carrier relationships mean we can place coverage 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 that relationship and earning the trust of A-rated environmental insurance carriers. That access translates directly into more options, better terms, and coverage shaped around your specific needs.