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Environmental Impairment Liability

Premises Environmental Liability

Environmental Impairment Liability – Premises EIL

Can-Sure’s Premises Environmental Liability solutions are designed to respond to pollution and environmental damage arising from the insured’s properties and associated business activities.

The insured can select which of their sites are to be included as insured premises, with a broad menu of coverage available.

Policies are underwritten by a specialist Environmental Impairment Liability (EIL) team based in London. The team has a wealth of experience in underwriting such operational covers for a diverse range of industry sectors and historic pollution programmes for property investment and redevelopment and merger and acquisition deals.

This underwriting expertise is combined with a focus on flexibility, responsiveness and service and supported by the recognised capability and financial strength of Lloyd’s of London.

Key benefits

The policies have been designed to keep pace with the need to provide adequate safeguards in this constantly changing environment, and provide the following benefits:

  • Pollution can be sudden or gradual, thereby creating greater certainty for the named insured
  • In addition to civil/tort law, policies are specifically designed to respond to broad and changing environmental law
  • Cover for historic pollution can be offered with periods of up to 10 years, with 5-year terms for operational ‘new’ incidents
  • Coverage can be offered on a standalone basis or combined with many other products offered by Can-Sure, including General Liability and Property Damage.


Key aspects of our coverage (subject to policy wordings)

  • Clean-up costs imposed on the insured by regulators, including those incurred by the regulators themselves – covers remediation of the insured’s own property and any other land, water or natural resources impacted offsite.
  • Liability for third-party bodily injury, property damage (including loss of use and diminishment in value), nuisance and clean-up costs
  • Liability for third-party bodily injury, property damage, nuisance and clean-up costs where pollution results from transportation by or on behalf of the insured 
  • The insured’s business interruption following pollution or environmental damage covered by the policy 
  • Emergency expenditure incurred in responding to an incident is included  
  • Costs and expenses for all insured sections, including investigation, adjustment and legal defence. 

Program structures

  • Limits to $30 million each incident, costs inclusive. Larger aggregate limits are available
  • Policies written on a claims made basis, except Contractors single project programs are also available on an occurrence basis.
  • Minimum $2,500 deductible and flexible premium options available



Premises EIL

  • Combined Environmental Pollution Liability Application DOWNLOAD

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Would you like to Pre-Register now and enjoy receiving these benefits?

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