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Comprehensive Environmental Insurance by Marlow Campbell Insurance Group

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Marlow Campbell Insurance Group/ environmental insurance

Environmental Insurance Provided By Our Agency

In today's world, businesses face increased risks from environmental liabilities that are often not covered by standard liability and property insurance. At Marlow Campbell Insurance Group, we can help identify your ecological liability and offer solutions to mitigate exposures and close coverage gaps.

Understanding Environmental Insurance

Environmental insurance, also known as pollution insurance or pollution coverage, safeguards against financial losses resulting from unexpected pollutant releases not typically covered by conventional liability and property insurance policies. This insurance covers losses or damages arising from bodily injury, property damage, cleanup costs, and business interruption.

Coverage Scope of Environmental Insurance

A detailed coverage agreement covering damages resulting from the release or escape of contaminants is a necessary component of true environmental insurance. At a minimum, this coverage applies to:

  • Bodily Injury: Covers physical harm to individuals, often enhancing the definition used in general liability (GL) policies.
  • Property Damage: Covers damage to property, often enhancing the GL policy's definition.
  • Cleanup Costs: Covers expenses required by environmental laws, with possible enhancements depending on the business class.
  • Defense Costs: Traditionally included within the liability limit, covering legal defense expenses.

Optional Coverages for Enhanced Protection

  • Non-owned waste disposal sites
  • Transportation of pollutants as cargo
  • Business interruption
  • Loss of rents
  • Extra expenses
  • Reputational damage
  • Midnight dumping on insured locations
  • Coverage for fungi/bacteria as defined pollutants
  • Amended definitions of cleanup costs for non-hazardous contaminants

Why Your Business Needs Environmental Insurance in North Carolina

While property damage, libel, slander, and bodily harm claims are all covered by general liability insurance, they do not cover scenarios where your business unintentionally exposes customers or the environment to pollutants. Pollution-related incidents can incur significant ethical, legal, and financial costs. Environmental insurance shields your company from the high expenses of cleanups, lawsuits, and other pollution-related costs.

Commercial insurance has evolved over the past forty years, shifting pollution coverage from standard GL policies to specialized environmental liability policies. This change reflects growing environmental awareness and a better understanding of potential exposures. To learn more about how environmental insurance can benefit your business in North Carolina, contact Marlow Campbell Insurance Group today.

Already have Environmental Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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