Environmental Exposures for Power Plants

Power plants generate and disburse power to businesses and homes across the country. People in surrounding areas may be exposed to dangerous toxins as a result of activities at these sites, many of which can impact their health and overall quality of life. Employees—including electricians, pipefitters, welders, and other contractors—working at these locations must also be aware of direct exposure to pollutants. Whether a power plant is fully operational or no longer in use, these exposures can remain on the property and in the soil for years.

Exposures include general hazardous emissions, residue, and air quality concerns relating to:

Nitrogen and sulfur oxides
Asbestos
Arsenic
Radiation
Industrial use of borates
Mercury
Fine particulate matter that can affect the cardiovascular, respiratory, and central nervous systems
Any component used for combustion control, post-combustion control, and scrubbers.

Site Pollution Liability for Power Plants

The environmental insurance policy that is most applicable to addressing pollution concerns at a power plant is a Site Pollution Liability policy, also known as a Premises Pollution policy, EIL, or PLL. This product is designed to provide coverage for unknown, historical, and future environmental liabilities such as claims for bodily injury, property damage, and cleanup costs as a result of a pollution event.