Hamilton’s Pollution Liability Underwriting Solution provides comprehensive site pollution coverage from a variety of environmental exposures. The site coverage is aimed at safeguarding business owners from pollution claims arising from a variety of environmental threats related to liability from managing, leasing, or owning real estate assets.
This product also provides assurance from pollution-related incidents arising from an insureds product failure which triggers a pollution condition to third parties. A flexible, menu-driven policy form allows the Insured to tailor their coverage to their specific requirements. The product can also be incorporated with Hamilton’s complement of other environmental products.
Coverage
- Onsite Cleanup
- Offsite Cleanup
- Legal Defense
- Non-owned Disposal Locations
- Non-owned Locations
- Transportation Pollution Liability
- Emergency Response Cost
- Reputational Damage Cost
- Product Pollution
- Bodily Injury
- Property Damage
- Contracting services
- Wetland first party property
Policy Structure
- Single location
- Portfolio locations
- Redevelopment
- Excess
- Can be package with other Hamilton Environmental products
- Long term policies available
Coverage Highlights
- Gradual & sudden, accidental & abrupt events
- First & third-party clean-up cost
- Broad definition of pollutants
- Natural resources damage
- Punitive damages
- Mold & legionella
- Restoration cost
- Illicit abandonment
- Green building materials
- Medical monitoring
- 90 day Automatic extended reporting period
- Reputational Damage and Emergency Response Costs (to policy limit)
- Insureds Choice of Counsel provision
Target Classes
- Landfills, recyclers & treatment plants
- Brownfield redevelopment
- Public entity/airports
- Higher education
- Residential
- Industrial/chemical/manufacturing
- Commercial
- Oil & Gas
Capacity
$25M USD