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 insurance 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