Businesses’ legal liabilities according to environmental legislation and regulation. Including cover for environmental legislation that’s already in existence as well as cover for future changes to environmental legislation.
Cover for defence costs for any actions against an insured business and individual directors and managers.
Businesses are liable for presenting their remediation plans to the Environmental authorities. The process to get approval for the proposed measures is new and will involve environmental consultants and experts, as well as lawyers, to complete the negotiations. Typical insurance policies cover the investigation costs and defence costs within the limits of liability provided.
Clean up costs for remediation of the insured’s own sites party sites. This includes Bartoline type regulatory debts and emergency costs, where the authorities act immediately to an urgent situation and require reimbursement from the business for the costs.
The costs of urgent action to prevent environmental damage, as companies become aware of the damage, or the imminent threat of such damage.
Cover is available for primary remediation as well as complementary and compensatory remediation.
‘Environmental damage’ is introduced in the Environmental Damage Regulations and goes beyond just spills and releases. Also includes non-pollution related damages.
This will provide cover for your own tools if they are stolen and policies can be arranged to provide cover for storage of tools overnight.
Someone other than the insured or his insurer who has suffered injury or loss.
SAPs are the government-approved method of assessing energy performance of a new property. This assessment measures the CO2 emissions and overall energy efficiency of a residential property.