Site history and known conditions
Earlier land uses, tanks, storage and waste handling help describe the exposure. Existing surveys and known conditions should be considered separately from a future accidental incident.
Skip to content01 02 03 Speak to a broker
Environmental & Pollution Risks
Environmental insurance discussions connect a site’s history, current activities and potential effects beyond its boundaries. A property owner, occupier and contractor can face different questions at the same location.
Who it is for
Property owners, occupiers or contractors discussing pollution-related responsibilities in their actual activities.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Contractors at other sites
Identify the work, materials and contractual responsibilities at each type of site. A client’s environmental arrangements do not establish the contractor’s own protection.
Define the proposed response
Clean-up, third-party claims and response expenses need their scope established in the specific proposal. Environmental assessment and legal advice remain separate from arranging insurance.
Information for quotations
Describe sites and historic uses, materials, storage and disposal, surveys, known conditions, contracts, off-site work and prior incidents.
Limitations and exclusions to discuss
Discuss known conditions, where pollution originates, insured sites or activities, exclusions, response costs and liability terms. Environmental assessment and legal advice remain separate.
Frequently asked questions
Does ordinary property insurance settle pollution concerns?
No automatic conclusion follows. Site conditions, responsibility and the relevant environmental or other wording need specific review.
Is work at another party’s site relevant?
Yes. Describe the activity and contractual roles separately from the site owner’s arrangements; neither identifies the other’s insurance automatically.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.