What Does A Pollution Insurance Policy Cover?

What Does A Pollution Insurance Policy Cover?

“What Does A Pollution Insurance Policy Cover?” is a common question ALIGNED Insurance Brokers get asked.  Understanding What Does A Pollution Insurance Policy Cover? is critical to understanding the benefits of having a policy insurance policy.  First, it’s important to note that pollution insurance policies are modular and cover a wide range of things, but the value is primarily from:

  • Liability coverage for bodily injury caused to third parties as a result of exposure to pollutants
  • Costs to contain, clean up and abatement when pollutants are released and/or discovered.

For those that aren’t familiar with it, abatement is defined as the act or process of diminishing the presence of a pollutant (e.g., asbestos or lead) in either degree or intensity.  The word “Abatement” is most commonly found in a pollution insurance policy which can provide coverage for contamination resulting from pollutants released on your property or that migrate onto your property.  A pollution insurance policy can also be underwritten to cover clean-up costs and damages awarded when pollutants migrate off your premises and impact third parties.

Premises Pollution Insurance Policy Explained

Premises owners or operators may be subject to a wide range of pollution exposures which, in addition to potentially shutting down the premises, could also result in financial loss due to cleanup costs and/or third-party liabilities. A Pollution insurance policy for a premises provides coverage for third-party bodily injury and property damage resulting from pollution conditions on, under or emanating from a covered location. A pollution insurance policy also provides coverage for cleanup costs resulting from pollution conditions on or under covered locations that may be imposed by the government like the Ministry of the Environment(MOE).

Who Needs A Premises Pollution Insurance Policy?

  • Real Estate Developers
  • Manufacturers
  • Storage Facilities
  • Hospitals
  • Municipalities
  • Waste storage facilities
  • Universities and schools
  • Golf courses
  • Agri-business
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100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.


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