Combined Coverages for Environmental Facilities

You may have heard that several industries anticipate a monetary payout from the impending economic stimulus legislations to be used for upgrades, improvements, and overall growth. One of the groups that will benefit from these funds funneling into the market is environmental facilities—landfills, recycling centers, wastewater treatment facilities, transfer stations, and alternative energy production plants.

As we all know, pollution coverage is generally excluded from a standard General Liability policy. Obvious exposures that affect environmental facilities include, but are not limited to: chemical leaks from onsite containers/tanks, toxic fumes emitted into the air, and untreated wastewater discharged into the public drinking water supply. However, pollutants are not always hazardous! A pollutant includes dust that can be kicked up by vehicles entering/leaving a landfill or wastewater run-off into a nearby stream. Even foul odors from transfer stations can require action, should a 3rd party make a claim.

A combined General Liability/Site Pollution Liability policy provides the best protection for environmental facilities, and is potentially the most cost effective solution as well. The pollution exclusion via the General Liability form is adequately addressed by the addition of Site Pollution Liability coverage; therefore, these facilities and their neighbors (like you and me) can all breathe a bit easier.

Available enhancements to packaged coverage for environmental facilities:

• Packages can add Contractors Pollution Liability/ Professional Liability.

  - Applies if insured is performing any contracting/consulting work offsite for clients.

  - CGL coverage part excludes pollution and professional liability, creating a gap in coverage.

• Transportation Pollution Liability for any over the road exposure.

• Blanket Additional Insured and Waiver of Subrogation.

• Separate Follow form Excess policy available.

• Separate Business Auto policy for insured’s fleet available for both hazardous and non-hazardous hauling exposures.

Help your environmental facility clients allocate some of their stimulus money to purchase coverage that will protect them in the long run. The bottom line is that facility owners simply can’t afford to forego environmental insurance when a potential claim may make their financial outlook even more fragile.

Visit us online for complete details or call us today at 1-800-596-2156. You can also email us to discuss a specific account. 

PartnerOne Environmental, Beacon Hill’s in-house underwriting division, is a fully integrated, single source for environmental insurance products. We provide coverage for a variety of small to middle market contractors, consultants, and property owners and managers. Most PartnerOne products are quoted, bound, and issued in-house, enabling us to offer fast turnaround times and excellent service. Our products are offered by carriers rated “A” or better.