Environmental, Pollution & Contamination Risk Cover

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Specialist liability and clean-up insurance for businesses exposed to pollution, spills, leakage and environmental damage.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

MANAGE ENVIRONMENTAL, POLLUTION & CONTAMINATION RISK

Environmental incidents can be costly, complex and highly regulated

Standard public liability policies often exclude or severely limit pollution and contamination claims. Environmental, Pollution & Contamination Risk Cover helps protect your business against clean-up costs, third-party damage claims, regulatory investigations and long-tail liabilities arising from pollution events.

What Environmental & Pollution Cover Can Include

Specialist protection designed around your activities, sites and regulatory obligations.

  • On-site and off-site pollution incidents (sudden & accidental or gradual, where selected)
  • Clean-up costs on your own land and neighbouring land / watercourses
  • Third-party property damage and bodily injury claims
  • Regulatory investigation costs and legal defence expenses
  • Remediation and restoration of contaminated soil, groundwater and buildings
  • Cover for storage tanks, pipelines and chemical handling
  • Transported cargo pollution (spillages during loading/unloading, transit extensions)
  • Historic / unknown contamination (where underwritten and agreed)
  • Business interruption following environmental events (optional)
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Who Needs Environmental, Pollution & Contamination Cover?

Typical Businesses & Sectors

  • Manufacturing, engineering and heavy industry
  • Warehousing, logistics & distribution centres
  • Waste & recycling operators
  • Fuel storage depots, tank farms & forecourts
  • Construction, demolition and civil engineering
  • Agricultural and food processing sites
  • Marine, dockside and port operators

Common Pollution & Contamination Risks

  • Fuel, oil or chemical spills from tanks and plant
  • Run-off into rivers, streams, drains or groundwater
  • Air emissions, odour and noise complaints
  • Contamination of neighbouring land or property
  • Historic contamination uncovered during development
  • Pollution caused by contractors or subcontractors
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Why Arrange Environmental Cover Through Insure24?

  • Access to specialist environmental liability insurers and underwriters
  • Advice on gaps in standard public liability and property policies
  • Tailored cover for single sites, portfolios or project-specific risks
  • Support with insurer questionnaires, risk surveys and compliance
  • Claims guidance when dealing with regulators, neighbours and contractors
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“After a tank leak affected neighbouring land, Insure24’s environmental policy covered clean-up costs, third-party claims and regulatory negotiations. It could have been devastating without that cover.”

Operations Director, Industrial Site

UNIQUE INSURANCE
TAILORED FOR ENVIRONMENTAL RISK

PROTECT YOUR BUSINESS & SURROUNDINGS

  • Clean-up and remediation costs after spills or leaks
  • Third-party claims for property damage and injury
  • Regulatory investigations, legal defence and penalties (where insurable)
  • Cover for on-site, off-site and transported pollution
  • Options for historic and gradual pollution exposures
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FREQUENTLY ASKED QUESTIONS

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What is Environmental, Pollution & Contamination insurance?

It is specialist cover that responds to pollution and contamination events – paying for clean-up, remediation, third-party claims and regulatory costs that are often excluded from standard liability policies.

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Isn’t pollution already covered under my public liability policy?

Many public liability policies provide only limited or sudden & accidental pollution cover – and often exclude clean-up costs and gradual pollution. A dedicated environmental policy can plug those gaps.

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Does this cover historic or existing contamination?

In some cases, insurers can offer cover for unknown historic contamination, subject to surveys and underwriting. Known contamination normally requires a specific remediation plan and separate arrangements.

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Are regulatory fines covered?

Some policies can contribute to certain regulatory costs or penalties where legally insurable, but this varies by insurer and jurisdiction. We can help you understand what is and isn’t covered.

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Can this cover pollution during transport or at third-party sites?

Yes, many environmental policies can be extended to cover transported cargo, loading/unloading and work carried out at customers’ or third-party locations – depending on how your business operates.

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