Premises Pollution Liability

Environmental conditions/liabilities can be sudden or gradual, unforeseen and accidental.  These events can seriously impact almost any business operation regardless of size or industry sector.  Premises Pollution Legal Liability provides the comfort of insurance protection to help manage future accidental potentially catastrophic events. 

Features and Benefits
Insurance protection for fixed facilities /owned premises, which can cover bodily injury, property damage or clean-up costs arising from pollution conditions.

  • Disposal of waste at non-owned locations (waste disposal Sites, warehouse, etc)
  • Indoor environmental conditions coverage, including fungi and legionella
  • Pollution conditions on, under or migrating from an Insured Property (owner/leased properties)
  • Transportation (movement of cargo, products or waste)
  • Business Interruption
  • Coverage available for both pre-existing and new conditions
  • Coverage may be written for sudden and accidental (S&A) or non-sudden/gradual coverage

Coverage typically purchased for any of the following:

  • Operational Exposures – coverage for current exposures
  • Transactional Deals – covers either/both the buyer or the sellers of a property
    • Unknown contamination from previous tenants or prior land use
    • Many financial institutions require the purchaser to buy pollution insurance before approving a loan 
    • Historical releases – coverage for pre0existing unknown contamination
    • Regulatory Requirements – satisfy financial responsibility

Suggested Classes of Business

  • Property Owners & developers
  • Real Estate Developers
  • Commercial Properties
  • Airports
  • Municipalities
  • Hospitals
  • School Districts
  • Colleges/Universities
  • Restaurant Franchises
  • Hotels/Motels
  • Shopping Malls



 Product Family
Contractor Pollution Liability (CPL)
Pollution Legal Liability (PLL)
 Forms & Apps
PPL Brochure
PPL Application
Related Products
Equipment Breakdown