Close

Search Results

Sorry we couldn't find any results for you.

To find more of our people, please search using the ‘People’ option at the top.

    Loading search results

    Skip to Content

    Environmental liability

    Beazley ECLIPSE

    Nick Bidwell

    Nick Bidwell

    Environmental Underwriter

    Beazley ECLIPSE® is a sophisticated but user-friendly environmental liability and cleanup insurance product and risk-management tool, which is designed to help you control both known and unknown pollution risks associated with transactional and fixed-site (covered location) operational hazards, and potential contamination exposures.

    Beazley ECLIPSE®, in its base form, provides comprehensive coverage developed to help you mitigate damages and loss resulting from claims for bodily injury, property damage, cleanup and the destruction of natural resources due to pollution conditions on, at, under or migrating from a covered location.

    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  

    Beazley ECLIPSE forms

    Application forms

    Beazley Eclipse Insurance Application

    Fact sheets

    Beazley Eclipse Fact Sheet