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Pollution Liability - Site

Beazley ECLIPSE® is a sophisticated and 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.

What we offer

  • 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 

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. 

Up to $40,000,000

How can we help

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.

Who we can help

Risks including but not limited to owners, operators, developers, lenders of risks including but not limited to brownfields, 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.

The Beazley Difference

BEING BOLD

Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.

STRIVING FOR BETTER

Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  

DOING THE RIGHT THING

Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

Claim for extensive soil contamination was made against the insured by the project's owner. After remediation was completed, Beazley worked to indemnify the insured for remediation costs incurred and began working with the insured and its other insurers to prosecute recovery actions against the subcontractor responsible for the incident. 

Our insured obtained an ECLIPSE® policy prior to commencing redevelopment of a parcel of land. During excavation, the insured encountered lead and petroleum contaminated soil and building materials suspected to be from previous operations and historic fill. Beazley worked with the insured to investigate and remediate the contamination, achieving regulatory closure within approximately eight months. 

Your Beazley Team

Jayne Cunningham

Jayne Cunningham

Focus Group Leader - Environmental

Remote, NC, USA

(212) 801-7147

Email Jayne

Nathaniel Martin

Nathaniel Martin

Underwriter - Environmental

New York, NY, USA

(212) 801-7177

Email Nathaniel

Greg Dunn

Greg Dunn

Underwriter - Environmental

Philadelphia, PA, USA

+1-215-446-8415

Email Greg

Chris Biddle

Chris Biddle

Underwriter - Environmental

Philadelphia, PA, USA

(215) 446-8416

Email Chris

James Wilkins

James Wilkins

Underwriter - Environmental

Atlanta, GA, USA

+1-770-351-1674

Email James

Morgan Rice

Morgan Rice

Underwriter - Environmental

Atlanta, GA, USA

(770) 351-1690

Email Morgan

Colleen Dill

Colleen Dill

Underwriter - Environmental

New York, NY, USA

(212) 801-7121

Email Colleen

Edwin Baez

Edwin Baez

Underwriter - Environmental

Miami, FL, USA

+1-786-843-3214

Email Edwin

Elham Tallackson

Elham Tallackson

Underwriter - Environmental, Specialty Lines

Chicago, IL, USA

Elizabeth Seltzer

Elizabeth Seltzer

Underwriter - Environmental

Chicago, IL, USA

(312) 476-6254

Email Elizabeth

Courtney Salinas

Courtney Salinas

Underwriter - Environmental

Houston, TX

(972) 419-8032

Email Courtney

Jessica Bricarell

Jessica Bricarell

Underwriter - Environmental

Houston, TX

(972) 419-8006

Email Jessica

Michael Crossman

Michael Crossman

Underwriter - Environmental

Philadelphia, PA, USA

(215) 446-8454

Email Michael

Eric Rosenblum

Eric Rosenblum

Underwriter - Environmental

Denver, CO, USA

(303) 927-1549

Email Eric

Miles Foxworth

Miles Foxworth

Underwriter - Environmental

Denver, CO, USA

(416) 777-6880

Email Miles

Andrew Hirsch

Andrew Hirsch

Underwriter - Environmental

Denver, CO, USA

(303) 927-1555

Email Andrew

Jenny Han

Jenny Han

Underwriter - Environmental

San Francisco, CA, USA

(415) 263-4073

Email Jenny

Lawson Benfield

Lawson Benfield

Underwriter - Environmental

San Francisco, CA, USA

(770) 351-1785

Email Lawson

Courtney Keeney

Courtney Keeney

Underwriter - Environmental

San Francisco, CA, USA

(415) 263-4068

Email Courtney

Samantha Runyon

Samantha Runyon

Underwriter - Environmental

Los Angeles, CA, USA

(213) 228-7717

Email Samantha

Caitlin Patten

Caitlin Patten

Underwriter - Environmental

Los Angeles, CA, USA

(213) 228-7718

Email Caitlin

Nicholas Pearson

Nicholas Pearson

Underwriter - Environmental

London, UK

020 7674 7141

Email Nicholas

Nick Bidwell

Nick Bidwell

Environmental Underwriter

Toronto, Canada

(416) 601-2682

Email Nick

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