Environmental Impairment is defined as bodily injury, property damage, interference with or diminution of any environmental right or amenity protected by law, or liability to clean up outside of the premises of the municipality, arising out of any and all emissions, discharges, dispersals, disposals, seepages, releases or escapes of any liquids, solids, gaseous, or thermal irritants, etc. Does your community have an exposure to an environmental impairment liability claim? The answer is probably yes if your municipality provides:

• A water supply
• Sanitary sewers
• Storm Sewers
• Sewage Treatment Plant
• Solid Waste Treatment Plant
• Solid Waste Collection (including dumping station)
• Solid Waste Disposal
• Recycling Facilities
• Any Storage or Use of Chemicals (i.e. weed spraying)
• Electrical Equipment Containing PCBs

Commercial insurance policies contain pollution exclusions that leave many organizations uninsured against significant loss exposures. To cover these exposures, insurers have developed various types of environmental insurance. The term environmental insurance includes both first-party (property) and third-party (liability) insurance policies to manage pollution-related loss exposures.

We can provide your organization with an EIL policy which will provide coverage for compensatory damages for which the municipality is legally liable arising from Environmental Impairment.

For more information, or a no-obligation quotation, contact us.

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