Skip to content
Call us at 1.844.628.6800
  • Risk Management
    • About Risk Services
    • Our Partners
    • Connect with Us
  • Submit a Claim
  • Legal
    • Accessibility Standards
    • Consumer Rights & Responsibilities
    • Customer Satisfaction
    • Privacy
    • Terms and Conditions
    • Trademark Information
    • Third Party Recruiting Policy
  • twitter
  • Youtube
  • Linkedin
  • Français
Federated Insurance Company of Canada Logo
  • Insurance Solutions
    • Types of Insurance
    • Insurance by Industry
  • About Us
    • Why Federated Insurance?
    • Contact Us
  • Resources
  • Request a Quote
  • Insurance Solutions
    • Types of Insurance
    • Insurance by Industry
  • About Us
    • Why Federated Insurance?
    • Contact Us
  • Resources
  • Request a Quote
Pollution Liability Insurancebrucereid2023-01-05T14:38:24-05:00

What is pollution liability insurance?

27 min read

Table of Contents

  • What is pollution liability insurance?
  • Types of pollution liability that we cover:
    • Contractors pollution liability
    • Premises pollution liability
    • Transportation pollution liability
  • Who needs pollution liability insurance?
  • Who needs Environmental impairment liability insurance?
  • Situations where pollution liability insurance could come in handy
  • Other coverage options to consider
Chemical waste at a construction site.

Whether sudden and accidental or occurring gradually, the release of a pollutant – hazardous or otherwise – can cause serious damage to the environment and community, but also to your project, reputation, and your bottom line. Pollution liability insurance (also sometimes known as environmental impairment liability insurance) is designed to help protect you from costly expenses. It goes above and beyond standard Commercial General Liability (CGL) and Property policies, which usually exclude coverage for any environmental damage.

What types of pollution liability do we cover?

Contractors pollution liability
Contractors pollution liability provides coverage for work done by or on behalf of a contractor resulting in the release of a pollutant into the environment. It can provide you with protection for both ongoing and completed projects, and may include coverage for property damage, bodily injury, clean-up, legal defense, and regulatory fines.

Premises pollution liability
Our premises pollution liability coverage is designed to help protect customers from pollution releases at, on, under, or migrating from a location they own or lease. With this coverage, receive first-party coverage for business interruption, clean-up, and emergency response costs, as well as third-party coverage for clean-up costs, property damage, and bodily injury. This policy can also help customers comply with common landlord/tenant obligations and other agreements the business may have in place.

Transportation pollution liability
Environmental impairment isn’t just restricted to your business’ property or worksite. Whenever supplies, equipment, or waste is moved, there’s the potential for pollution to be released into the environment. Transportation pollution liability provides protection for pollution emanating from products or materials during loading or unloading while being transported, shipped, or delivered by your business or by a carrier on your behalf. It is available as an optional coverage with both premises pollution liability and contractors pollution liability policies.

Think pollution liability insurance is what your business needs?

Yes! Get me a quote!

Who needs pollution liability insurance?

It takes years of dedication to perfect your craft. It only takes a few minutes to protect your business and reputation against an insurable loss. Suffering an uninsured loss could be hard to recover from.

These are just some examples of professionals that should consider pollution liability insurance:

  • Auto Dealers
  • Auto Repair Garages
  • Carpenters
  • Consumer Goods Manufacturers
  • Fuel Dealers
  • General Contractors
  • Landscaping Contractors
  • Machinery Manufacturers
  • Mechanical Contractors
  • Service Centers
  • Septic Tank Contractors
  • Water, Sewer, and Pipeline Contractors

Here are some situations where pollution liability insurance could come in handy:

Solvent theft
Someone tries to steal solvent stored by a business in a 2,000L tank on its property. In the process, over 1,800L of solvent is spilled. The solvent contaminates not only the surrounding soil, but also a nearby property and waterway. The business’ premises pollution liability policy could help cover the loss.

Mould clean-up
Let’s say that a general contractor is hired for a project to renovate a building. During construction, a water pipe within a wall is accidentally pierced, which leads to the creation of a slow leak that continues for several weeks before being discovered. This results in a large amount of mould developing. The clean-up costs may not be covered under the contractor’s CGL policy but supplementary environmental impairment liability protection may be able to help.

Other coverage options to consider:

Commercial property insurance:
Commercial property insurance can help protect your physical assets, like your storefront and your warehouse. It’s also designed to help with the repair or replacement costs for tools, equipment, inventory, electronics, and other assets that are crucial to running your business.

Commercial general liability insurance:
If you’re found legally liable for bodily injuries or property damage to a third party, this coverage can help. It can also offer protection in situations where you or your employees are conducting business offsite.

Commercial auto insurance:
Commercial auto insurance can help if you or your employed drivers get injured in a car accident involving your business vehicle. It can also provide replacement car coverage if you need to rent a temporary car for business operations following a covered accident.

Ready to learn more about how Federated Insurance can help your business?

Request a quote
Federated Insurance

We’re Federated Insurance, a 100% Canadian-owned direct writing commercial insurance specialist that has been serving Canadian businesses of all sizes for over 100 years.

255 Commerce Drive Winnipeg R3C 3C9
  • 1.844.628.6800
  • 204.783.4443
  • [email protected]

Update credit card information

  • Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. Federated Insurance does not sell surety, personal, legal expense, life or health insurance products. All references to these lines of products are for referrals to other insurers. For more information on our services and for information on our insurers please see Terms and Conditions.

  • Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.

  • Federated and Federated Insurance are registered trademarks of Federated Mutual Insurance Company. Used under license.

Terms and conditions

Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. Federated Insurance does not sell surety, personal, legal expense, life or health insurance products. All references to these lines of products are for referrals to other insurers. For more information on our services and for information on our insurers please see Terms and Conditions.

Trademark information

Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.

Federated and Federated Insurance are registered trademarks of Federated Mutual Insurance Company. Used under license.
  • Popular
  • Recent
  • A Canadian farmer attending his agricultural crops with his truck
    The impact of climate change on Canadian agriculture
    August 1st, 2017
  • Grocery store staff greeting and cashing out customer
    What are three key risks for grocery retailers?
    October 19th, 2018
  • A construction worker sweeping.
    How to make your job site cleaner (and safer)
    February 28th, 2020
  • Close up of a white smoke alarm detecting smoke
    Protecting your business (and employees) from a fire
    October 10th, 2018
  • A storage lot
    Key tips to ensure your storage lot is secure
    December 28th, 2022
  • How to prepare your business for a hurricane
    November 15th, 2022
  • woman on cell phone while driving
    How to avoid distracted driving as a professional driver
    October 27th, 2022
  • Two women shopping at a retail store
    6 tips for retail theft prevention
    September 29th, 2022
Copyright © Federated Insurance | All Rights Reserved
Federated's Twitter accountFederated's YouTube pageFederated on LinkedInEmail us at [email protected]
Page load link
  • Home
  • Business Insurance
    • Introduction to Business Insurance
    • Types of Insurance
    • Insurance by Industry
      • Automotive Dealers Insurance
      • Automotive Repair Insurance
      • Commercial Property Insurance
      • Contractors Insurance
      • Equipment Dealers Insurance
      • Fuel Dealers Insurance
      • Grocery Store Insurance
      • Manufacturers Insurance
      • Professional Consultants and Health Services Insurance
      • Wholesalers and Retailers Insurance
      • Surety Bonding Services
  • About Us
    We’re a 100% Canadian-owned direct writing commercial insurance specialist
  • Contact Us
    We’d love to hear from you
  • Resources
    Check back often for helpful articles on business insurance
  • Claims
  • Legal
    • Accessibility Standards
    • Consumer Rights and Responsibilities
    • Customer Satisfaction
    • Privacy
    • Terms and Conditions
    • Trademark Information
    • Third Party Recruiting Policy
  • English
    • Français

Search

Menu Social Icons

Twitter YouTube Linkedin Email