We protect your owned or leased premises wherever you operate.
Keeping ahead of ever-changing environmental regulations can be quite a challenge, but our premises pollution liability insurance ensures your property and others’ are covered – from chemical leaks to waste spills. The policy gives you protection for a range of liabilities, physical injury, property damage, clean-up costs and more.
RISK SCENARIOS
Who it’s for
We offer highly effective pollution cover for many sectors and business activities, including but not limited to:
Agriculture
Chemical and petroleum storage
Construction
Industrial and manufacturing
Utilities, including renewable energy
Commercial and retail properties
Transportation
Real estate
Public sector organisations
Hotels and hospitality
Education
Healthcare
What it covers
Chubb premises pollution liability insurance safeguards you against a range of liabilities and issues, such as:
Gradual and Sudden and Accidental first - and third party environmental liabilities
Regulatory clean-up costs – for your own premises and any offsite land, water or natural resources
Liability for third-party bodily injury, property damage, clean-up expenses and nuisance
Third-party claims for pollution caused by the transportation of products or waste
First-party business interruption resulting from pollution
Liability for biodiversity damage, including complementary and compensatory remediation costs
CASE STUDY
1. A dairy facility incident
A dairy facility accidentally released 30m3 of water containing ammonia (NH3) into a river.
Effect Pollution was detected in the river four days after the release. About 20km downstream was contaminated. 3.5 tons of dead fish were collected.
Cost Estimated loss to the business was £210,000
2. A swimming pool incident
Swimming pool chemicals merged with cleaning agent at a hotel spa facility.
Effect
The merged chemicals gave rise to a mustard gas claim, causing potential danger to employees and guests.
Chubb managed the on-site clean up.
Cost
Estimated loss to the business was £25,000.
3. A logistics warehouse incident
A heating oil tank attached to a logistics warehouse developed a fracture in an underground pipe.
Effect Over time fuel oil seeped from the tank into the surrounding soil and groundwater, contaminating both the logistics warehouse land and the neighbouring business. The extent of the contamination was not realised until oil was noted in a nearby watercourse.
Cost
Estimated loss to the business could be £800,000.
Why Chubb?
Why Chubb?
We are experts in pollution insurance – and care about your company
Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in premises pollution liability insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.
Partnership that’s personal We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.
Creative problem-solving Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.
Unmatched expertise and financial strength We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business.
