Environmental protection insurance coverage (EPIC)

Policy highlights

When you work with us, your business will benefit from the know-how and collaboration of our dedicated environmental casualty underwriting and claims professionals. Offering expertise across a variety of industries, our team works together to tailor support to address your general and environmental exposures, no matter how complex or multifaceted.

• Occurrence general liability, products and products pollution standard in every policy
• Worldwide coverage for pollution incidents arising out of your products, your work, non-owned locations, and transportation (regardless of where the claim or suit is brought)
• Miscellaneous pollution coverage on an occurrence basis (non-owned locations, transportation, contractors pollution)
• Claims-made site pollution liability coverage available on every risk
• Guaranteed cost general liability coverage
• Policy is nonauditable
• Blanket additional insured coverage
• On-site pre-existing clean up coverage available

Why EPIC?

• EPIC Primary Limits of $1M/$2M
• Industry leading excess capacity
• Low EPIC minimum premium — $20K and excess minimum of $5K per million
• Supporting Auto; ISO based, minimum
• $1M combined single limit
• Deep claims expertise with active partnership
• Policies issued in an average of 30 days
• Submission acknowledgement in 24 hours
• Comprehensive general and environmental liability, including products pollution

Claims examples

Example #1: Chemical manufacturing plant – on-site pollution release

A chemical manufacturing facility experienced a failure in their waste storage tank, resulting in the leakage of hazardous substances into the adjacent soil and a nearby stream. The contamination caused damage to neighboring property and required expensive environmental cleanup. Under traditional GL policies, pollution incidents from sudden releases might be covered, but gradual contamination or cleanup costs are often excluded or capped.

How EPIC can help:

• Coverage for bodily injury and property damage arising from the pollution event under the GL section.
• Full pollution liability coverage for on-site environmental cleanup costs and third-party claims related to contamination, including gradual releases or conditions not triggered by a sudden event.
• Coverage for regulatory fines or cleanup orders issued by environmental authorities (if included).

Benefit over traditional policy:

The insured avoids coverage gaps and potential out-of-pocket costs due to pollution exclusions or limits typical in standard GL policies. This ensures comprehensive protection for both legal liability and remediation expenses arising from environmental contamination at the site.

Example #2: Waste-to-energy facility – on-site pollution release

A waste-to-energy plant experiences a sudden equipment malfunction causing a release of toxic gases and particulate matter into the air, resulting in evacuation orders for nearby residents and claims for bodily injury and property damage.

How EPIC can help:

• The GL coverage responds to bodily injury and property damage claims resulting from the sudden pollution event.
• Site pollution liability covers the environmental cleanup, including air quality monitoring and remediation efforts ordered by regulators.
• The combined policy structure avoids disputes over whether pollution claims fall under GL or environmental coverage, streamlining claims handling.

Benefit over traditional policy:

The insured avoids coverage gaps and potential out-of-pocket costs due to pollution exclusions or limits typical in standard GL policies. This ensures comprehensive protection for both legal liability and remediation expenses arising from environmental contamination at the site.