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Pollution Liability – Site (ECLIPSE)

Our Site Pollution Liability product is a sophisticated and user-friendly environmental liability and cleanup insurance product which is designed to help you control both known and unknown pollution risks associated with transactional and operational exposures.

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What we offer

Key Coverages 

  • Covered location pollution legal 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 legal 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 legal 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  

Additional Coverages 

  • Defendants' reimbursement extension 
  • Reputation management reimbursement
  • Civil fines and penalties, punitive and exemplary damages where insurable by law 
  • 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
  • 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 
  • 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 

Who we can help

Owners, operators, developers and lenders with environmental liability exposures.


Industry classes considered 

  • Agricultural
  • Brownfields
  • Chemical
  • Commercial
  • Educational
  • Golf courses/resorts/recreation
  • Habitational
  • Healthcare
  • Industrial
  • Landfills
  • Manufacturing
  • Municipalities
  • Rail yards
  • Recycling
  • Retail
  • Storage tanks
  • TSDs
  • Transportation
  • Warehousing and distribution 
Globe

Where is this offered

Worldwide

The Beazley Difference

  • Expert underwriters with technical backgrounds and hands-on experience in the field 
  • Deep understanding of environmental exposures 
  • A global underwriting team that works collaboratively with brokers and insureds 
  • A focus on complex and hard to place risks 
  • Consistent appetite which is broader than most other insurers 
  • Bespoke policy wordings for the client’s industry and environmental needs 
  • Dedicated claims managers to work with clients throughout the entire claims process

Your Beazley Team

Jenny Han

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Jenny Han

Focus Group Leader - Environmental

San Francisco, CA, USA

+1 (415) 263 4073

Email Jenny

Greg Dunn

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Greg Dunn

Underwriter - Environmental

Philadelphia, PA, USA

+1 (215) 446 8415

Email Greg

Elham Tallackson

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Elham Tallackson

Underwriter - Environmental, Specialty Lines

Chicago, IL, USA

+1 (312) 476 6225

Email Elham

Nathaniel Martin

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Nathaniel Martin

Underwriter - Environmental

New York, NY, USA

+1 (212) 801 7177

Email Nathaniel

Samantha Runyon

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Samantha Runyon

Underwriter - Environmental

Los Angeles, CA, USA

+1 (213) 228 7717

Email Samantha

Courtney Salinas

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Courtney Salinas

Underwriter - Environmental

Houston, TX

+1 (972) 419 8032

Email Courtney