- Businesses
- Individuals & Families
- Partnerships
Enabling businesses across a wide range of industries to operate and grow with confidence.
Protecting all that makes your house, your home.
Build your business by providing the protection your customers need – it’s insurance for the new possible.
Premises Pollution Liability Insurance
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
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.
Resources
Environmental risk is a part of every organisation’s profile. Strategy and operations are increasingly shaped by regulation, which is often complex to navigate. Chubb’s expertise and partnered approach provides a solution to these challenges