Site Pollution Liability (SPL) Insurance
Our Site Pollution Liability (LHS) policy offers environmental 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.
Target Classes
- Distribution
- Metal fabrication/machine shops
- Property transactions/M&A
- Paint/hardware/lumber
- Contractor yards
- Auto dealer/repair/rental
- Utilities/electic/water
- Golf courses/country clubs/resorts
- Retail stores/shopping centers
- Warehouse/mini storage
- Food processing
- Sand & gravel quarries
- Truck/car washes
- Servicing of drums/totes/bulk containers
- Cold storage/frozen foods/packing
- Laboratories
- Cattle ranching and farming
- Manufacturing
- Chemical
- Plastic material and resin
- Pharmaceutical and medicine
- Paint and coating
- Soap and cleaning compounds
Ineligible Classes
- Petroleum or gas pipelines
- Oil & gas wells subject to hydraulic fracturing
- Water amusement parks
Policy Features
- Coverage is written through AM Best "A+" XV and "A" rated carriers
- Claims-made and reported
- Location-specific
- Covers on/off-site pollution (either can be deleted by endorsement)
- Covers new pollution conditions (either can be deleted by endorsement)
- 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 Risk Environmental Site Services (or other eligible environmental carriers’ EIL/site applications)
- Past five (5) years' loss history
- Last year's financial statement
- Copy of the most recent Phase 1 Environmental Site Assessment or similar Environmental Due Diligence Report
