Claims Intelligence Series
Environmental regulators flex their musclesRead the whitepaper
Don’t let a pollution incident threaten your whole business
Following an environmental incident, individuals also face the possibility of personal actions. In fact, some local regulations might hold directors and managers jointly or personally liable for the damages.
Effective across Europe, this aims to make businesses that cause environmental damage responsible for the full consequences. It deals with serious damage to protected species and their habitats including protected sites, water including underground sources or groundwater and land where there may be a risk to human health.
Our customers can negotiate alternative insurance capital, deductibles and coverage, tailoring the ideal risk management solution for their situation.
With the largest environmental underwriting team in Europe and high capacity, AIG can provide expert decision making and added value consultancy services in local markets.
Provides immediate protection (corporate and individual) from the costs, expenses and damages that an incident may incur that might threaten the financial viability of the business.
Media and public sensitivity to local pollution incidents can impact the business’s image. Holding this insurance is clear evidence of the precautions that the business has taken in managing its responsibilities and we offer Crisis Containment cover as standard.
Our extensive knowledge of sophisticated program structures and one of the most extensive lists of local environmental policies available in the market allow us to design and implement multinational programmes that reflect each business’ needs.
We also offer the largest specialised claims team in Europe. Benefiting from our extensive global capabilities and knowledge centres, AIG claims handlers are able to offer strong and dependable customer support during a stressful period for our clients.
AIG’s size and flexibility mean we can protect a wide range of business sectors, both in the UK and abroad, including.
Enviropro UK wording comes with some important and highly distinctive features, in addition to more standard environmental coverages. Enviropro UK covers liabilities under Environmental Law including damage to water, land, protected species and natural habitats, including primary, complementary and compensatory remediation. The 2009 EDR introduced liability for compensating for damage to protected species and habitats. Enviropro UK includes cover for sudden & accidental and gradual pollution, as well as environmental damage where pollution is not necessarily the cause.
Different businesses have different environmental exposures and risks. Some businesses have heightened environmental exposures from their air emissions, oil or chemical spills, waste management or water discharge from cleaning or cooling operations.
The flexibility of AIG Enviropro coverage can accommodate a large selection of businesses with operational processes including, but not limited to, manufacturers, power producers, printers, metal fabricators, warehouses, haulage firms, textile producers, retailers and food processors as well as educational establishments, medical centres, retailers and hotels.
Features & Benefits
The PLL select policy is designed to be tailored to a specific business. The policy covers the provisions of the Environmental Damage Regulation 2009, including liability for damage to biodiversity and other new requirements such as complementary and compensatory remediation resulting from the covered operations. This policy is particularly valuable in property or company transactions or other situations where pre-existing pollution liabilities might arise.
The flexibility of the PLL Select policy coverage can accommodate a large selection of businesses with operational processes including, but not limited to, manufacturers, power producers, printers, metal fabricators, warehouses, haulage firms, textile producers, retailers and food processors as well as educational establishments, medical centres, retailers and hotels.
Businesses with no operational processes, particularly landowners and property management companies, have also to be mindful of environmental liabilities they could assume from the activities of their tenants, neighbours and from the site’s historical activities.
Features & Benefits
Contractors Pollution Liability (CPL UK) provides comprehensive protection for contractors, site owners and developers against pollution releases, whether sudden & accidental or gradual, caused by new pollution conditions or the exacerbation of existing pollution conditions.
Consultants or contractors performing hazardous operations, or operating on contaminated sites. Policies can also be taken out by clients on behalf of contractors.
Features & Benefits
Contractors Operation and Professional Services provides environmental cover for environmental professionals. Includes cover for Errors & Omissions in environmental technical reporting and Contractors Pollution Liability cover for activities carried out on third party sites.
A wide range of environmental consultants whose work both involves technical reporting and completing site works on third party sites.
Features & Benefits
Unmatched pollution incident and environmental response network delivering reliable and specialised support when businesses need it most.
How to report a pollution incident to PIER Europe
Call the PIER Europe hotline +44 (0)1273 400965 available 24 hours a day, seven days a week, provide your contact information and a brief description of the incident. Report your claim as detailed in your policy. AIG will then contact you, discuss the details of your incident and recommend PIER Europe’s most appropriate response team in your area – specific to your incident and needs. We will remain available to support you and adjust your claim.