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Liability insurance
Environmental and pollution liability insurance
Environmental and pollution liability covers a range of environmental risks that are often not included in other insurance policies.
Policies can cover exposures such as gas leaks, contaminated soil, oil spills, overflows, and many other exposures that can damage the environment and create large cleanup costs.
Who needs environmental and pollution liability insurance?
Types of industries that might need cover include:
- building trades including plumbing, gasfitting and electrical
- healthcare
- real estate and government entities
- heavy manufacturing
- agriculture and horticulture
- redevelopment projects
- demolition and earthmoving contractors
- contractors for oil, gas, drilling and mining industries
- remediation contractors: asbestos, amphetamines, emergency clean-up, crime scene cleaners
What environmental and pollution insurance covers
Environmental and pollution liability insurance can cover you for bodily injury, property damage and environmental damage caused by pollution incidents arising from either
- locations that are owned or operated by you
- incidents that occur when providing services
This insurance covers you while you are carrying out a job as well as your completed operations. This means that if there is a problem with hazardous waste materials after you have finished the job, you are still protected.
Pollution liability insurance also covers claims from third parties against bodily injury and property damage caused by hazardous waste materials released during your company's business operations.
Policy cover normally includes:
- Sudden, accidental and gradual pollution incidents
- Emergency response expenses required to contain and remediate the contamination or damage
- Asbestos related incidents
- Defence costs for the organisation in addition to the limits of indemnity
Our brokers can advise you on the best business insurance solutions to protect you against environmental and pollution events. And in the event that a claim arises, we'll advocate on your behalf for a fair and prompt result.
CLAIM EXAMPLE
Dairy company
A dairy company was fined in the Environment Court under the Resource Management Act after it discharged buttermilk into a treatment pond which resulted in odorous fumes escaping from the nearby wastewater treatment plant which ultimately caused a ‘stench’ in the local area. The dairy company's liability insurer paid the fine.
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Liability solutions
Public liability insurance
Protects your business in the event of claims made by the public in connection with your business activities.
Statutory liability
Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law.
Employer's liability
Employer’s liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC.
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice.
Directors and officers liability
Director’s and officer's insurance protects your executives and board from personal financial risk.
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees.
Product liability
Product liability insurance protects against claims of personal injury or property damage caused by a business.
Crime and fidelity
Crime and fidelity insurance protect organisations from losses arising from dishonest acts committed by employees.
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust.
Liability consequential loss
Responds to financial losses suffered by a business following a business interruption that's a result of a liability insurance claim.
Criminal defence legal costs
Provides cover for costs incurred in legal disputes brought against you, company officers and employers.
Internet liability
Internet liability insurance provides specialist protection often not covered in general liability policies.