Civil liability insurance for the environment

What makes our Environmental liability insurance different

Environmental liability insurance protects the assets of a company resulting from it causing unexpected damage to the environment and to natural resources.

Full protection

We add to the environmental liability coverage the civil liability for accidental contamination, the latter including employer's civil liability.

Legal defence

We cover the costs arising from the legal defence of your company's interests in the event of environmental damage and damage to third parties due to accidental contamination.

Specialisation

Adaptation to the Environmental Responsibility Act.

What Environmental Liability insurance covers

It includes the following benefits and cover for expenses:

Advice on prevention measures to avoid imminent environmental damage.
In the event of environmental damage, the necessary measures are taken to prevent further damage.
Restoration of damaged natural resources.
Decontamination of the soil in which the activity is carried out, which may involve:
- Recovery of contaminated land.
- Demolition, transfer and deposit of goods that must be removed or demolished to decontaminate the land.
- Transfer, deposit and destruction of contaminated land.
Defence of the insured party, in any legal proceedings, for their insured responsibility, covering fees and expenses.
The constitution of the bonds required from the insured to guarantee their insured liabilities, as well as those required to guarantee their provisional freedom, if the liabilities are settled in a criminal process.

The coverage of damage due to accidental and sudden contamination is guaranteed, provided that the period from the start of the emission until the existence of the contamination caused by the pollution is reliably discovered is less than 120 hours.
Claims for damages to third parties, derived from contamination insured, including damage to employees, with certain limits, are covered.
It is liable for bodily, moral and material damages, as well as for civil liability damages for pollution.

FAQs

This insurance is designed for all companies, as any activity is susceptible to cause accidental pollution. However, the policy is particularly geared towards those companies whose activity involves an environmental risk.

The Environmental Liability Act does not distinguish between activities, so any professional economic activity is subject to its precepts.

No, general civil liability insurance does not cover environmental liability.