Environmental Liability Insurance

Environmental Liability Insurance covers the cost of pollution or contamination caused by your business, including cleanup costs and third-party claims. We arrange cover scaled to your environmental risk exposure.

Environmental Liability Insurance Covers the Cost of Pollution and Contamination

Environmental Liability Insurance covers the cost of cleaning up pollution or contamination caused by your business activities, as well as third-party claims for resulting property damage or injury. It responds to both sudden incidents and gradual contamination, depending on the policy.

Many general liability policies exclude pollution-related claims entirely, which makes standalone Environmental Liability cover important for businesses operating sites, handling chemicals, or working in industries where contamination risk is elevated. We help you understand your exposure and arrange cover that fills the gap.

Which Sectors Often Need Environmental Liability Insurance

These are the sectors where Environmental Liability Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Manufacturing

• Transport & Logistics

• Seafood & Aquaculture

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What You'll Need for a Environmental Liability Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Site Activities

A description of your business activities and any handling, storage, or use of chemicals or other materials with contamination potential.

Regulatory History

Details of any environmental approvals, licences, or past regulatory notices relevant to your operations.

Site Locations

Details of the sites you operate from, including ownership, and any known history of contamination.

Claims History

The details of any pollution or environmental claims made in the past 5 years.

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How Environmental Liability Insurance Differs From Related Products

Environmental Liability vs. Public & Products Liability

Public & Products Liability typically excludes pollution-related claims. Environmental Liability fills that gap, covering contamination and pollution events specifically.

Environmental Liability vs. Product Recall

Environmental Liability responds to pollution and contamination of land, water, or air. Product Recall responds to the cost of withdrawing a faulty or contaminated product from the market — a different trigger and a different type of loss.

Environmental Liability vs. Management Liability

Environmental Liability covers the physical and third-party cost of pollution or contamination. Management Liability covers claims about how the business itself is run, such as regulatory action against directors — the two can intersect if a pollution event leads to a claim against management.

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