Beacon Hill offers a number of tools to help you educate your clients on environmental exposures. We encourage you to use these resources to help your insureds understand the changing definition of environmental liability and the problems that could result from not being adequately covered.



Pollution Coverage Guide

Why do Businesses Need Pollution Insurance? Pollution insurance is designed to respond to claims stemming from the release of pollutants into the environment. These policies are needed to fill a gap in coverage created by the pollution exclusion in the standard CGL policy. What is […]

Environmental Insurance Claim Scenarios

When discussing environmental insurance with your client, it is often helpful to have specific examples of situations where the coverage has been used and, in many cases, has prevented a catastrophic financial loss to the company. Please feel free to use any of the real-life […]

Environmental Exposures and Other Insurance Topics

The environmental exposures that can affect an insured are varied and complex. Whether you are working with environmental contractors and consultants, non-environmental risks, or a site/facility, there are many exposure and coverage considerations. Pollution claims can result from so many unforeseeable sources―negligence on the part […]

Information About Environmental Insurance Policies

Unlike standard admitted products, environmental insurance policies offered by different companies are not the same, even though they may attempt to address the same exposures. Environmental coverage is often written in the E&S marketplace, and therefore policies are not approved on a state level. Each […]

Pollution Insurance FAQs

Beacon Hill Associates answers all of your pollution insurance FAQs: What is a pollutant? Too much of any one substance can be considered a pollutant in certain situations. It is important to review the policy form offered as the definitions of pollutant vary by carrier, […]

Environmental Insurance Glossary

Aboveground Storage Tank (AST) Any tank or other container that is aboveground, partially buried, bunkered, or in a subterranean vault. This includes floating fuel systems.* Additional Insured An individual or entity that is not automatically included as an insured under the policy of another, but […]

OnTarget Program

Get a CPL indication within 2 hours The OnTarget Program allows Beacon Hill to provide its partner agents with quick and easy access to industry-specific pollution information for their non-environmental contractor clients. Why is this important? Because all agents agree that their client should buy […]