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Program Details -

Site Pollution


The Site Pollution coverage offers coverage for pollution exposures including first party on-site cleanup costs and third party bodily injury, property damage and cleanup costs. This enhanced policy features premises pollution coverage available for both new and pre-existing conditions.


  • Cleanup costs, bodily injury and property damage for new and pre-existing pollution conditions including mold, legionella, illicit abandonment, EMF, silt and sedimentation
  • Non-owned location coverage and blanket non-owned disposal site coverage
  • First and third party transportation pollution coverage
  • Contractors pollution liability
  • Products pollution liability
  • Available by endorsement: 
    • Business Interruption and Delay Expense coverage
    • Automatic coverage for acquired properties
    • Catastrophe Management Costs
    • Blanket coverage for property portfolios

Minimums and Limits Minimum Limits Premiums

  • $1,000,000 / $1,000,000 $2,000
  • Up to 25M in Limits available

Expanded Target Classes 

  • Commercial, multi-family residential, retail, hospitality, mixed use - single property owners or portfolios
  • Brownfield and "greenfield" property developers
  • Environmental facilities; (i.e., landfills, transfer and recycling centers, TSDF's)
  • Light and heavy manufacturing facilities
  • Transportation facilities - (i.e., terminals, airports, marinas)
  • Other environmentally complex properties
    • Manufacturers
    • Warehouse, storage and distribution centers
    • Academic institutions
    • Commercial real estate operations
    • Hospitals/clinics
    • Public entities
    • Waste treatment, storage and disposal facilities
    • Energy-related industries
    • Fuel and chemical storage terminals
    • Gas Stations / C-Stores

Policy Highlights

  • Covers both sudden and gradual events
  • Coverage available for onsite and offsite bodily injury, property damage, cleanup costs and defense for pre-existing and new conditions
  • Discovery trigger for pollution conditions available
  • Available on a primary or excess basis

Policy Enhancements Available

  • Transportation Pollution Liability coverage
  • Non-Owned Disposal Site coverage
  • Business Interruption coverage
  • Biological Contaminants coverage
  • Underground storage tanks

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming