Your client is already covered. Or are they? Gaps in cover might seem an acceptable risk, but where the environment is concerned, the damage can be vast. Don’t get caught out. We’ve outlined some common exposures right here, based on our ongoing experience in the field.
Is your client exposed?
The table below identifies the potential gaps in your clients’ current insurance programmes and where they may have exposures to environmental risks. It is a broad indicator based on our experience. You should refer to specific policy wording to verify this on an individual basis.
| Potential gaps | General Liability | Property | Environmental Liability |
| Sudden and accidental pollution | Yes | No | Yes |
| Gradual pollution | No | No | Yes |
| Historic pollution | No | No | Yes |
| Statutory clean up | No | No | Yes |
| On-site first party clean up | No | No | Yes |
| Environmental liability directive | No | No | Yes |
| Environmental damage | No | No | Yes |
| Loss mitigation | No | No | Yes |