Low Hazard Site Pollution Liability (LHS)

Our Low Hazard Site Pollution Liability (LHS) policy offers coverage for pollution releases associated with on/off-site cleanup costs and third-party on/off-site bodily injury, and property damage emanating at, on, or from a specific owned or leased location or premises. This enhanced policy features premises pollution coverage available for both new and pre-existing conditions and can also address the pollution exposures associated with above or underground storage tanks. Coverage is claims made.

LHS may be underwritten for a variety of industry groups such as:

  • Light to medium manufacturing
  • Purchasers of commercial property
  • Commercial real estate
  • Habitational risks
  • Health care facilities
  • Warehouses
  • Auto repair facilities
  • Laboratories
  • Golf courses

Policy Features

  • Coverage is written through an A.M. Best A- or better rated carrier
  • Claims-made and reported
  • Location specific
  • Covers on/off-site pollution (either can be deleted by endorsement)
  • Covers new pollution conditions
  • Coverage enhancements include non-owned disposal site and transportation of waste (no financial responsibility)
  • Emergency mitigation costs arising from a pollution condition requiring immediate action
  • Limits up to $5M available
  • Minimum premium: $1,500

Submission Requirements

  • ALTA Site Pollution Liability Application (or other eligible environmental carriers’ site specific applications)
  • Five (5) year summary of losses; with a description provided for large losses
  • Internet website Information