Business Interruption – FCA test case

For information about the outcome of the FCA’s test case into how insurance policies respond to business interruption claims as a result of Covid-19 please visit this page.

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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

Clock Magenta

Fast response

At first notice of emergency we’re there straightaway, 24/7.

Underwriting Magenta

Claims brilliance

We provide long-term support throughout the life of the claim.

Warning Magenta

Crisis management

We have a legal team experienced in handling PR and media by your side.

Shield Magenta

Clean-up and liability

We cover first- and third-party clean up costs and liability.

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

  • We are particularly interested in working with companies with a £25m capacity and a UK and EU focus.

A fast, effective claims service

Get a fast response

With a notification within three hours, and an action plan within 48 hours, we put next steps and agreed progress updates in place, fast.

Stay involved

We work closely with you throughout the life of a claim. We ensure claims handling is tailored appropriately at all stages.

Know who to talk to

One person manages your claim from start to finish – so they know exactly what’s going on, and you know who to call.

Get it settled

We always focus on settling claims as quickly and fairly as possible.

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.

Alan Shaw

Environmental Lead Underwriter

T +44 (0) 207 337 5082 alan.z.shaw@uk.rsagroup.com

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