Environmental Impairment Liability Insurance 2017-01-16T19:51:27+00:00

Environmental Impairment Liability Insurance

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Environmental Impairment Liability Insurance

At BJP Insurance Brokers we arrange bespoke packages for complicated areas of insurance, including Environmental Impairment Liability. We work closely with our clients to find them quality policies at a competitive price.

Environmental impairment is a growing concern for the British government, and prosecutions can lead to crippling fines that can put companies out of business. At BJP we have years of experience working with the kinds of businesses most likely to face environmental impairment lawsuits.

We can provide the information you need not only to be comprehensively insured, but also to minimise the risks of breaking the law and being prosecuted in the first place.

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Environmental Impairment Liability Insurance

Specialist construction cover from the UK’s leading insurers

0345 365 2121

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Who needs Environmental Impairment Liability Insurance?

Environmental Impairment Liability Insurance is an essential consideration if your company:

  • makes or uses a product that releases toxins into the air or water supply
  • could create structural damage that would cause chemicals or toxins to contaminate the air, land, water or biodiversity
  • increases flood risk
  • adversely affects land drainage

In 2009, the Environmental Liability Directive became law, representing a major development in environmental regulation. This increased the need for companies of varying sizes to assess their potential threat to the environment and consider the necessity of having Environmental Impairment Liability Insurance in place.

Many kinds of British businesses can benefit from Environmental Impairment Liability Insurance, including, but not limited to:

  • aerospace and motor manufacturers
  • agricultural suppliers
  • glass manufacturers
  • companies and laboratories working with compressed gasses
  • breweries
  • meat producers
  • poultry and cattle rearers
  • printing businesses
  • plastics manufacturers
  • foundries
  • sawmills
  • construction companies
  • bakers
  • laundries
  • steelworkers

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Advice and free quotes for Environmental Impairment Liability Insurance

0345 365 2121

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What does an Environmental Impairment Liability Insurance policy include?

Given the wide range of businesses requiring Environmental Impairment Liability Insurance cover and the personal service we offer to our clients, it’s difficult to answer this question definitively. However, a typical Environmental Impairment Liability policy might include liability against:

  • products provided
  • work carried out away from the business’s premises
  • unforeseen gradual pollution arising from the business’s daily activities
  • environmental damage
  • remediation costs
  • regulatory debts
  • defence costs for directors

Examples of Environmental Impairment Liability claims

Legal Defence Provided for Subcontractor and Main Contractor
A firm was contracted to perform the re-lining of a culvert pipe as part of a city-wide construction project. During the performance of the work, a local homeowner alleged that inhalation of the fumes from the project caused her to suffer tinnitus (ringing of the ears), dizziness, and other neurological problems. She sued both contractors.

Result – Legal defence costs were provided to the subcontractor, who had an Environmental Impairment Liability policy in place. Both contractors were successfully defended following a court hearing.

Soil Erosion Caused Contamination to Lake

During the construction of a residential community, excessive soil erosion and site run-off from the worksite contaminated a local lake. Several groups sought legal action against the main contractor for this pollution. In addition, it was alleged that the defendant’s method employed to control soil erosion contaminated the site with phosphates, causing excessive growth of algae. The development owner then sued the contractor for breach of contract.

Result – Site run-off is one of the leading causes of water contamination during construction. Fortunately for this main contractor, they were protected by Environmental Impairment Liability Insurance. The run-off and subsequent contamination that caused the operations were covered under their policy and the claim was settled for less than £75,000 by the insurers.

To get personal, professional advice about Environmental Impairment Liability Insurance, call Rob Clapshaw or Stephen Hegarty on 0345 365 2121.