US Environmental Liability Insurance

Sirius International Insurance Group, Ltd. (Sirius Group) has established Sirius Environmental, an elite team of engineers, environmental scientists, geologists, attorneys and insurance professionals.  With nearly 300 years of combined environmental and insurance experience, Sirius Environmental has the know-how to provide environmental underwriting and claims solutions to fit your client’s needs.  As part of Sirius Group – a leading multi-line (re)insurer with global capacity, decades of stability and solid financial strength – you can rely on Sirius Environmental’s expertise for timely, creative, and reliable answers.  

Sirius Environmental offers a full suite of innovative environmental products to provide coverage for fixed facilities, contracting services, and professional liability, with both primary and excess capabilities.

Line of Business 

Capacity

Environmental Liability

$25 million/$25 million

 


 

Capabilities & Features

  • A.M. Best rating of “A” (Excellent) and Standard and Poor’s rating of “A-” (Strong)
  • In-house authority yielding rapid turnaround time for both underwriting and claims
  • Creative solutions tailored for each insured, including the ability to manuscript for specific deals and insureds
  • Nimble roundtable underwriting approach 
  • In-house, customer-facing claims team
  • 24/7 emergency response support
  • Risk control support services available to insureds
  • Premium payment plans available

 Environmental Products

 

Pollution Legal Liability Plus (PLLP)

  • Policy terms of up to ten (10) years; thirteen (13) years for lenders
  • Coverage for 1st and 3rd party clean-up costs for new and/or historical pollution conditions on, at, under, or migrating from or through a covered location, or an indoor contamination condition at a covered location
  • Coverage for 3rd party bodily injury and property damage claims for new and/or historical pollution conditions on, at, under, or migrating from or through a covered location, or an indoor contaminant condition at a covered location
  • Coverage for emergency expense including remediation, evacuation and disinfection costs (including bed bugs, communicable virus, bacteria or disease), diminution in value, and business interruption
  • Additional legal costs in addition to the limits of liability
  • Mortgage Protection coverage option

Learn More About PLLP


 Contractor’s Pollution Liability Plus (CPL)

  • Policy terms up to three (3) years
  • Project policies up to seventeen (17) years in total coverage (five (5) year term, plus completed operations per state-specific statutes (up to twelve (12) years))
  • Coverage for bodily injury, property damage, clean-up costs, and legal costs caused by a pollution condition at a job site, or an indoor contaminant condition at a job site, resulting from contracting services or completed operations
  • Additional legal costs in addition to the limits of liability

Learn More About CPL


 Contractor’s Professional Pollution Liability Plus (CPPL)  

  • Annual policy term
  • Coverage for bodily injury, property damage, clean-up costs, and legal costs resulting from a pollution condition at a job site, or an indoor contaminant condition at a job site, resulting from contracting services or completed operations
  • Coverage for professional liability resulting from actual or alleged acts, errors, or omissions from professional services
  • Includes coverage for professional redress expenses to avoid or mitigate claims from a professional loss
  • Includes contractor’s protective coverage
  • Minimum premium of $10,000

Learn More About CPPL


 Follow-Form Excess Liability (ENVEX)

Coverage for additional capacity above a primary policy with terms and conditions following that primary Followed Policy (FP).  Coverage under this form is provided for any of the types of policies for which Sirius Group has primary capability (premises pollution, contractor’s pollution, and contractor’s pollution and professional).

  • Policy terms of up to ten (10) years and thirteen (13) years for lenders for premises accounts
  • Annual policy terms for services accounts
  • Follow form excess coverage providing additional capacity above a primary policy.  Coverage under this form is provided for any of the types of policies for which Sirius Group has primary capability (premises pollution, contractor’s pollution, and contractor’s pollution and professional)

Learn More About ENVEX

 

*The above product descriptions are for informational purposes only.  Coverages described above may differ from your policy, please read your policy carefully and discuss any questions/concerns with your insurance broker.


Need to Submit a Claim?

We endeavor to make the claims process as simple and straightforward as possible with the goal of returning our Insured’s business to a sense of normalcy as soon as possible. To submit a claim or learn more about our claims department, click here:

US Environmental Claims


Contact an Environmental Liability Insurance Underwriter
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