Specific cover for pollution events
With increasing environmental regulation, businesses need to be more mindful than ever. Our Environmental Impairment Liability policy protects the business and provides an immediate 24/7 response, expert legal advice and long-term support throughout the life of the claim.
An expert response when you need it most
Bespoke cover tailored to your needs
We work with businesses to make sure they get the cover they need, including:
- Flexible deductibles
- Annual and multiyear policies
- Standalone policies or combined programmes
- Historic and future pollution incidents
- Gradual pollution cover
- Liability arising under the Environmental Liability Directive
- Own-site clean-up
- Third-party clean-up and liability
- Statutory liabilities arising from a regulatory authority
- Business interruption
- Crisis management
- Emergency response
Historic pollution
Who pays for historic pollution? If the original polluter can’t be found or has gone into liquidation, it’s the owner or occupier of the property who can become liable for clean-up. An Environmental Impairment Liability policy that covers historic pollution can take that worry away – and make sure things get cleaned up the way they should.
Construction
Research shows that the construction industry is responsible for almost a third of all industry-related pollution events in the UK. A comprehensive Contractors Pollution Liability policy is one of the best ways to protect against the environmental risks a business can face – from the inception of a project through to completion.
Real Estate
Property owners are generally not the original polluters and often benefit from contractual protection in leases. However, there are times where they can be held responsible for pollution damage caused by tenants who’ve gone into liquidation or disappeared.
In these cases, the landlord can be forced to pay. An Environmental Impairment Liability policy can offset that concern.
Fire loss
For the vast majority of businesses, a fire is one of their biggest fears and risks. However, the extinguishment of the fire could be the catalyst for a whole new and potentially more devastating set of problems – including clean-up, environmental remediation and off-site disposal costs.
Our Environmental Impairment Liability policy provides cover for all of this, plus a fast response and excellent claims handling when the pressure is on.
Business appetite
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We are particularly interested in working with companies with a £25m capacity and a UK and EU focus.
A fast, effective claims service
Downloads and documents
Learn more about our cover and the areas we specialise in.
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RSA - Environmental Impairment Liability
PDF 1.3MB
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RSA EIL - Construction
PDF 1.3MB
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RSA EIL - Fire loss
PDF 702.4KB
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RSA EIL - Historic Polution
PDF 465.9KB
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RSA EIL - Real Estate
PDF 1.3MB
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RSA Third Party Liability Claims
PDF 400.7KB
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A Guide To Claim Defensibility
PDF 145.3KB
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Claim Defensibility Infographic
PDF 305.4KB
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Slips And Trips
PDF 191.1KB
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RSA Third Party Liability Claims
PDF 659.4KB
Speak to an expert
To find out more and get a quote, speak to our underwriting specialist. We’ll be more than happy to answer any questions and can provide you with fast decisions.