Coverage 

• Covered location pollution liability - new and existing pollution conditions (bodily injury, property damage, cleanup costs, natural resource damage, claim expenses with first party discovery and/or third party coverage trigger)
• Transportation pollution liability (coverage for third party carriers and insured as carrier, and includes coverage for inbound and outbound waste, materials, goods or products)
• Non-owned disposal site pollution liability (blanket locations, both onsite and offsite coverage)
• Coverage for known pollution conditions disclosed in the application, subject to underwriting
• Coverage for pass-through contamination migrating to and/or through a covered location from an offsite source
• Defendants' reimbursement extension - up to $500 per day, subject to a maximum of $10,000 per claim
• Reputation management reimbursement - up to 50% of $100,000 to assist clients in managing their reputational risk after a loss
• Definition of bodily injury includes medical monitoring, mental anguish and emotional distress
• Definition of cleanup costs includes restoration costs and allows for participation in voluntary cleanup programs
• Civil fines and penalties, punitive and exemplary damages where insurable by law
• Definition of pollution condition includes medical infectious and pathological waste, low-level radioactive waste and material, Legionella and microbial matter (i.e., fungus or mold)
• Definition of property damage includes diminished value and natural resource damage
• Coverage for asbestos and lead-based paint in any soil, watercourse/body of water or in groundwater
• Coverage for scheduled, divested locations
• Automatic 90-day extended reporting period (ERP) and right to purchase additional ERP
• Primary coverage
• 90-day notice of cancellation
• Policy assignment with prior written consent
• Option for choice of law
• Pre-claims assistance
• Risk management services

Environmental liability coverage enhancements 

• Institutional controls
• Carbon capture and sequestration
• Underground storage tank(s)
• Evidence of financial responsibility
• Lead-based paint and asbestos (BI/PD and Cleanup)
• Business interruption and extra expense
• Loss of rental/tenant income
• Delay in construction costs
• Incidental contractor's pollution liability
• Aggregate retention subject to maintenance deductible  

Size/Definition

Beazley will consider risks ranging in size from single-site habitational, commercial and retail locations to scheduled portfolios of industrial, treatment/storage/disposal (TSD) and petroleum bulk storage facility locations.

Target market

Risks including but not limited to habitational, commercial, retail, agricultural, golf courses/resorts/recreation, warehousing and distribution, educational, healthcare, landfills, recycling, TSDs, transportation, rail yards, manufacturing, industrial, storage tanks, chemical, municipalities, Department of Defense and Department of Energy

Key territories

Worldwide where permitted by applicable law

Limits

Up to $25,000,000