Pollution Legal Liability Plus

Sirius Environmental’s Pollution Legal Liability Plus (PLLP) protects against environmental liabilities that are not typically covered by a general liability policy. The PLLP policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage), and legal expenses 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.  The PLLP policy also provides coverage for mortgage protection, diminution in value, business interruption, non-owned disposal sites, transportation of an insured’s wastes or products, and contracting services.


Target Classes of Business:

  • Multi-family residential (apartments and condominiums)
  • Hospitality 
  • Commercial office buildings
  • Airports
  • Warehouses/Distribution facilities
  • Healthcare facilities (hospitals, nursing homes, out-patient facilities, etc.)
  • Environmental facilities (landfills, treatments plants, etc.)
  • Manufacturing facilities 
  • Redevelopment properties
  • Brownfields
  • Agricultural facilities


Product Highlights:

  • Coverage for mold matter and legionella pneumophila
  • Business interruption including contingent business interruption and delay costs for new pollution conditions
  • Emergency expense costs, including:
    • Remediation
    • Evacuation
    • Disinfection costs, including:
        • Bed bugs
        • Communicable virus, bacteria, or disease
  • Additional legal costs provided outside the limit 
  • Diminution in value coverage
  • Mortgage protection coverage for lenders
  • Provides coverage for pollution conditions and/or indoor air contaminant conditions arising from a cyber attack at a covered location
  • Occurrence coverage for the insured’s contracting services at job sites
  • Coverage for bodily injury and property damage from asbestos-containing materials (ACM) and lead-based paint (LBP)
  • Coverage for non-owned disposal sites and occurrence transportation (first and third party)
  • Civil fines, penalties, and assessments (where insurable by law)
  • 90-day automatic extended reporting period


Product Features:

  • Limits of liability up to $25MM occurrence / $25MM aggregate
  • Policy terms of up to ten (10) years, thirteen (13) years for lenders
  • Minimum premium of $5,000 for an annual policy


Submission Requirements:

  • Application
  • Copies of any environmental reports (Phase I Site Assessment, Phase II Site Assessment, Remedial Investigation Reports, etc.)
  • Copies of any recent property condition reports
  • Pollution, general liability, and property loss runs


*The above Pollution Legal Liability Plus product description is 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.


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