Environmental & Pollution Liability

Environmental sales tools

Videos

A business may not always have a clear understanding of why they should have environmental insurance or may not even be aware that their current CGL policy does not adequately protect them from environmental losses. Our Victor expert, Marc LeBrun, helps shed some light on these points and explains environmental insurance in easy-to-digest video snippets provided below. Have a look and feel free to share these video snippets with colleagues and clients!

Frequently asked questions & answers 

1. What is environmental insurance? (42 seconds)
2. Who should have environmental insurance? (26 seconds)
3. What is the common misconception about the Sudden & Accidental pollution endorsement usually found in CGL policies? (43 seconds)
4. What are the types of conversations that brokers should consider having with their clients when it comes to environmental coverage? (48 seconds)
5. What environmental insurance is available through Victor? (2 minutes, 20 seconds) 

Guide

• Auto dealership pollution exposures. Does your business have insurance coverage for these complex hazards?

Articles

• Why should businesses purchase pollution liability insurance? 
  
• Environmental fines and penalties can be costly: Are you prepared?
  
• Environmental insurance: How to remain calm in a crisis
  
• Overview of Canadian environmental law: A potential for liability and insurance coverage issues

Claims examples

• Environmental Liability (contractors and consultants, storage tanks and premises)
• Animated video - Property oil leak (4 minutes, 28 seconds) - Learn what happened to one business owner when the theft of a popular item led to $310,000 in environmental damages! 
• Animated video - The project journey: From blueprints to operations - Understanding the risk and ways to protect your business (8 minutes, 14 seconds) - A group of business owners discover the many ways in which risks and exposures can present themselves throughout the duration of a project. The illustrated claims examples in this video aim to help business owners and managers better understand the importance of obtaining proper insurance for their organization.

Highlight sheets

• Environmental Cleanup and Liability Insurance for Premises
• Environmental Cleanup and Liability Insurance for Storage Tanks
• Environmental Package Insurance for Contractors and Consultants
• Pollution Liability Insurance for Contractors

Loss control bulletins

• Essential information for owners and operators of fuel storage tanks
• HVAC contractors and pollution liability claims

Legal bulletins

• Pollution Exclusion: Court holds that CGL policy does not cover escape of chemicals caused by fire
• Retailers beware: Pollution liability exclusions apply to deny coverage for claims against retailers 
• The case of the leaking gas tank: Why a CGL policy may not be enough to protect businesses from pollution liability