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Spotlight: GL, Products Pollution, & Site Pollution

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The Beacon Hill team is experienced in writing packaged solutions for many industrial and manufacturing operations, offering combined CGL, Products, Products Pollution and Site Pollution coverages. Excess and supporting Auto are available for many risks as well.  Premiums start at $5,000 with many limit options.

Target risks for GL, Products, and Site Pollution Liability include:

  • Manufacturers & distributors
  • Industrial facilities
  • Recycling facilities
  • Storage sites
  • Landfills
  • Warehouses
  • Wastewater treatment plants

Environmental exposures for Industrial and manufacturing facilities

It is important to understand the ways the environment can be impacted by operations at industrial and manufacturing facilities. One of the first to consider is airborne contamination. The release of fumes, smoke, vapor, or soot from a facility is a potential pollution loss. And if that airborne material settles onto a neighboring property’s buildings or open bodies of water, there can be significant offsite clean up required, not to mention potential bodily injury. Many losses of this type happen when permitted releases exceed the guidelines of the permit, often through faulty equipment.

Another direct pollution loss is the release of a toxic substance that either runs along the property and into unprotected soil or water, or leaches directly into the soil. This type of pollution release, potentially occurring incrementally over years, can have the most long-term damaging effects. Cleanup costs, third party responsibility for Bodily Injury, Property Damages, Natural Resource Damages, and Diminution of property values can add up very quickly.

These facilities also have a waste storage and disposal issue. Waste byproducts need to be properly contained and disposed of, creating liability for the facility owner. Coverage for those Non-Owned Disposal Sites they transport waste to is important to consider.

When addressing the spectrum of exposures for industrial & manufacturing operations, it is important to assess the environmental concerns these contractors and facilities face. A properly structured pollution policy can go a long way towards reducing the impact of unexpected risk. Read more.

Do you have an account you need help with? Contact us for information or applications.