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Liability insurance

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Environmental and pollution liability insurance

Environmental and pollution liability covers a range of environmental risks that are often not included in other insurance policies.

Each policy is crafted to provide coverage for exposures such as gas leaks, contaminated soil, oil spills, overflows, and many other exposures that can damage the environment and create large cleanup costs.

Holding environmental insurance is a clear demonstration of the precautions the business has taken in managing its responsibilities.

Who needs environmental and pollution liability?

Environmental pollution liability insurance is available for contractors, environmental consultants, fixed site facilties, storage tanks and environmental services among others.

While the need for pollution liability insurance is evident for companies whose business involves risks to hazardous waste exposure such as asbestos removal or service stations, many other businesses should also be protected.

Types of industries who might need cover:

  • healthcare
  • real estate and government entities
  • heavy manufacturing
  • agriculture and horticulture
  • redevelopment projects
  • demolition and earthmoving contractors
  • building trades including plumbing, gasfitting and electrical
  • contractors for the oil, gas, drillers and mining industries
  • remediation contractors: asbestos, amphetamines, emergency clean-up, crime scene cleaners 

What environmental and pollution insurance covers

Environmental and pollution liability insurance will cover you for bodily injury, property damage and environmental damage caused by pollution incidents arising from either

  • locations that are owned or operated by you
  • incidents that occur when providing services

This insurance covers you while you are carrying out a job as well as your completed operations. This means that if there is a problem with hazardous waste materials after you have finished the job, you are still protected.

Pollution liability insurance also covers claims from third parties against bodily injury and property damage caused by hazardous waste materials released during your company's business operations.

Policy cover normally includes:

  • Sudden, accidental and gradual pollution incidents
  • Emergency response expenses required to contain and remediate the contamination or damage
  • Asbestos related incidents
  • Defence costs for the organisation in addition to the limits of indemnity

Pre-existing conditions or new conditions cover can be offered together or separately and there may be an option to include business interruption losses as well as statutory liability exposures cover.

Our brokers can advise you on the best business insurance solutions to protect you against environmental and pollution events. We  can work with you to create a tailored, cost-effective insurance liability package to safeguard you against these risks.  And in the event that a claim arises, we'll work with you to get a resolution.


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Dairy company

A dairy company was fined in the Environment Court under the Resource Management Act after it discharged buttermilk into a treatment pond which resulted in odorous fumes escaping from the nearby wastewater treatment plant which ultimately caused a ‘stench’ in the local area. The dairy company's liability insurer paid the fine.