Even a minor pollution spill may be too expensive to cover out of pocket.

Pollution Liability Insurance

Pollution Liability Insurance is a type of coverage created specifically to manage the costs associated with pollution clean-up, as well as to cover liability claims for pollution-related injuries, illnesses or deaths. Policies cover any type of small-scale pollution that causes contamination of soil, groundwater or property. They also provide coverage for air-borne contaminants like smoke and emissions. Some key aspects of pollution insurance coverage include:

Legal Defense Fees

Pollution insurance companies will provide your company with attorneys who specialize in these matters to defend you in a pollution-related lawsuit. Your policy can also cover the costs of any other related legal fees and court costs.

Clean-Up Efforts

If your company is required by law to clean up contaminants, this coverage will compensate you for a portion of the costs. Many insurers will allow you to buy stop-loss policies that limit the amount that your company will be responsible for during the clean-up. This is beneficial if additional pollutants are identified in the clean-up process, potentially escalating the costs.


If your business uses chemicals or hazardous materials, there are two types of coverage available:
1. Catastrophic coverage: For a sudden, pollution-inducing event such as a fire or explosion.
2. Non-catastrophic coverage: If pollution occurs over a long period of time and affects neighboring businesses or residents.

Interested in an insurance proposal at no obligation or cost?