Environmental Site Liability

Environmental Site Liability insurance helps protect companies from the uncertainty of potential environmental liabilities associated with owning or operating facilities or sites. Environmental Site Liability insurance for buyers and sellers of property helps protect buyers and sellers in mergers, acquisitions or divestitures. From a seller looking to help reduce or eliminate the requirement for collateral to support environmental provisions contained in an underlying sales agreement, to a buyer who needs help to protect against loss as a result of a pollution discovery at a property to be purchased, Environmental Site Liability insurance offers valuable assistance. It can even help protect in cases where a pollution problem is already known.

Companies that purchase Environmental Site Liability insurance include:

  • Commercial property owners and developers
  • Real estate portfolio owners and managers
  • Real estate investment trusts (REITs)
  • Schools, colleges and universities
  • General manufacturing companies
  • Food processors
  • Municipalities
  • Fixed-based airport operators

Coverage as Easy as A, B, C and D

Clarke and Sampson’s Environmental Site Liability insurance offers four insuring agreements to provide the needed protection.

Coverage A addresses liability for bodily injury, property damage (including natural resource damages and diminution in value) and remediation costs and remediation costs arising from known or unknown pre-existing pollution incidents at or migrating beyond and insured site. It also addresses first-party remediation costs.

Coverage B addresses liability for bodily injury, property damage and remediation costs arising from new pollution incidents at or migrating beyond an insured site. It also addresses first-party remediation costs.

Coverage C addresses liability for bodily injury, property damage and remediation costs resulting from pollution incidents at or migrating beyond a designated insured site that is neither owned nor operated by the insured, such as a warehouse, waste transfer station or disposal facility.

Coverage D pays for business interruption expenses resulting from pollution incidents at an insured site that suspends operations at that site.

Contractors Pollution Liability

Contractors face many pollution risks stemming from operations at their job sites. These include contaminated soil disposal and the accidental release of fuel oil, chemicals and toxic gases from broken pipelines, utilities, and stationary and mobile fuel tanks. Contractors Pollution Liability insurance helps protect a wide range of pollution risks associated with construction projects.

Contractors Pollution Liability insurance is issued on a non-admitted basis and provides:

  • Insurance for third-party claims for bodily injury and/or property damage
  • Insurance for remediation costs stemming from pollution incidents resulting from the contractor’s covered operations.

Companies that purchase Contractors Pollution Liability insurance include:

  • General contractors – commercial, residential, municipal, highway/road, infrastructure, maintenance, mechanical, demolition, industrial, excavation, grading
  • Trade contractors – HVAC, paving, carpentry, concrete
  • Specialty contractors – foundation, pipeline and tank installation, drillers
  • Remediation contractors


Contractors Pollution Liability insurance helps protect these companies from the liability and financial loss that can result when a covered operation results in a pollution incident.

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