Environmental

Environmental Pollution & Environmental Casualty products that provide financial and operational security for US clients, specializing in construction, development projects, and operational exposures.

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Backed by 15+ years of environmental expertise, our Environmental Casualty and Pollution products provide flexible solutions for complex environmental risks.

Our offerings include GLEE, which combines general liability, pollution liability and professional liability, along with Environmental Legal Liability (ELL), Contractors Pollution Policy (CPP), Contractors Pollution and Professional (CP3), and Storage Tank Liability (STL).

We work closely with brokers and clients to tailor coverage for facility, contractor, transactional and long-term environmental risks across the US, Canada and select international markets.

Core capabilities
•    Primary or excess capacity
•    Multi-year policy terms
•    Emergency response and crisis management support
•    Broad pollution conditions coverage

Environmental Legal Liability (ELL)

Protect your business from environmental liabilities associated with owned, leased or transacted properties. ELL provides tailored coverage for cleanup costs, third-party claims and pollution-related incidents across a wide range of industries.

Environmental Legal Liability coverage

Site-based coverage for environmental risks tied to owned or transacted properties.

Target classes

We target the following:

  • Manufacturing
  • Distribution
  • Real estate (commercial/residential)
  • Investment funds
  • Hospitality
  • Developers
  • Public entities
  • M&A
  • Energy

Available coverages

We offer the following coverage:

  • First- and third-party cleanup
  • Bodily injury, property damage, including Natural Resources Damage
  • Business interruption
  • Non-owned sites & transportation
  • Crisis and emergency response
  • Pollution Incident/Pollutant includes low level radioactive material or waste, microbial matter, legionella pneumophila, medical, infectious or pathological waste and EMF
  • Products pollution

Contractors Pollution Policy (CPP)

Designed for contractors facing environmental exposures, CPP helps protect against pollution events arising from contracting operations. Flexible coverage supports projects ranging from infrastructure and energy to waste management and industrial services.

Contractors Pollution Policy coverage

Contractors Professional, Protective & Pollution (CP3)

A combined professional liability and pollution solution for contractors and environmental professionals. CP3 helps address the risks associated with technical services, consulting activities and pollution incidents under a single policy.

Contractors Professional, Protective & Pollution (CP3) coverage

Combined professional liability and pollution coverage.

Target classes

  • Environmental consultants
  • Labs
  • Trade contractors (HVAC, electrical, plumbing, roofing, insulation)

Available coverages

  • Professional liability, Rectification and First Party Protective Indemnity
  • Contractor’s pollution liability
  • Non-Owned Sites
  • Completed operations
  • Crisis and emergency response

Storage Tank Liability (STL)

Specialized coverage for environmental risks arising from aboveground and underground storage tank systems. STL helps organizations manage cleanup costs, liability exposures and regulatory requirements with confidence.

Storage Tank Liability coverage

Coverage for pollution risks from storage tank systems.

Target classes

We target the following:

  • Convenience stores
  • Real estate
  • Marinas
  • Airports
  • Storage terminals
  • Schools/universities

Available coverages

We offer the following coverage:

  • Cleanup and liability
  • Defense costs (outside limits)
  • Above Ground and Underground Storage Tanks
  • Satisfies Federal and State Financial Responsibility Requirements
  • Optional site pollution for non-storage tank related incidents

General Liability & Environmental Exposures (GLEE)

An integrated solution that combines general liability, pollution liability and professional liability coverage into a single policy. GLEE offers customizable protection for businesses with complex environmental exposures and operational risks.

GLEE Primary coverage

Combined Primary GL / Pollution / Professional package with ability to customize coverage to our clients’ exposures.

Minimum premium

Facilities - US $15,000, Services - US $10,000

Coverage overview

We offer the following:

  • General Liability (occurrence or Claims-Made): Includes standard commercial GL coverage with Employee Benefits Administration Liability
  • Integrated Pollution Liability (occurrence or Claims-Made): Combines contractors, products, and transportation pollution, including products 
  • Pollution, hostile fire, and emergency response
  • Site Pollution Liability (Claims-Made): Covers on- and off-site clean-up, bodily injury, and property damage
  • Professional Liability (Claims-Made)
  • Capacity: GLEE US $1m/2m, GLEE Excess US $15m

Capacity

US $1m / $2m

Facilities target classes

Manufacturers, distributors and facility operators:

  • Chemical & specialty materials manufacturing
  • Plastics, packaging & industrial materials
  • Environmental services, waste and energy operations
  • Other/miscellaneous

Services target classes

35% or more of revenues are derived from environmental contracting or consulting services, including:

  • Environmental consulting and technical services
  • Remediation, abatement and environmental contracting
  • Energy, infrastructure and specialty environmental construction
  • Storage tanks and industrial systems
  • Waste and materials management

GLEE Excess

Follow-form coverage can be offered over GLEE or GLEE equivalents, Auto, Foreign Liability and Employer’s Liability.

GLEE Excess can be purchased as a companion to GLEE Primary or as standalone coverage.

Capacity: Up to US $25m

Sompo will consider supported or unsupported placements (lead or non-lead) and quota share structures.

GLEE Excess targets the same Facilities and Services classes as GLEE Primary.

Experts

For more information and to discuss how we can help with your Environmental risk management needs, speak to our experts.

Environmental risks know no borders

Are you looking for environmental coverage that spans borders and continents? Speak to our Multinational experts about a convenient, consistent approach to accessing global coverage that is compliant with local regulations.