Lending Insurance

Contractors and Pollution Liability Insurance

Most businesses that deal in manufacturing of one type or another have serious pollution concerns due to the chemicals required in the processing of their products. What many business owners often fail to realize is that they may be considered guilty of not properly disposing of pollutants, something they may not even be fully aware of. NorthStar Insurance Services would like to provide your business with coverage that deals specifically with this exposure.

Enforcing environmental laws is a central part of the Environmental Protection Agency’s strategic plan to protect human health and the environment. The EPA works to ensure compliance with environmental requirements. When warranted, they will take civil or criminal enforcement action against violators of environmental laws. Pollution claims can stem from soil contamination, chemical spills and pipeline ruptures, even fuel leakage.

Protection from claims of negligence

Pollution claims can often be a unique challenge. While some pollution incidents may be apparent at the outset, in many cases, they occur slowly over time and can go undiscovered long after the initial occurrence. As a business owner, you may find that an uncovered pollution claim could potentially cost your company hundreds of thousands, if not millions of dollars to properly rectify the situation.

You have the need for a policy that provides you with coverage for pollution-related claims that you may be deemed at fault for causing. The policy can include coverage for operations that are performed by, or even on behalf of, the insured. A standard policy can even provide coverage for operations away from the insured’s premises. Some policies also provide coverage for temporary storage of contaminants on your property.

Getting the right policy for your situation

Policies regarding pollution-related claims are different in what they may or may not exclude. Each carrier has his or her own unique coverage provisions so it’s important that you work with an expert, like NorthStar Insurance Services, because a policy that works for one operation may not work very well for another. You’ll want to buy a policy that is based on the type of operations your company performs. If interested in purchasing pollution liability insurance, speak to a NorthStar agent in your area.