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Fixed Site Pollution Legal Liability

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With the increase in environmental regulations and compliance standards, companies of all shapes and sizes face serious operational and risk management challenges today. To help protect these companies against losses stemming from pre-existing or new pollution conditions arising at their covered locations, we offer Fixed Site Pollution Legal Liability coverage – an Environmental Impairment Liability (EIL) policy that covers clean-up costs, bodily injury claims, property damage, defence and other specified expenses.

Target classes

  • Academic institutions
  • Commercial real estate operations
  • Energy-related industry
  • Fuel and chemical storage terminals
  • Hospital/clinics
  • Manufacturers
  • Transportation facilities
  • Warehouse, storage and distribution centers
  • Waste treatment, storage and disposal facilities

Generally excluded from appetite

  • Large commercial real estate portfolios
  • Site ownership of oil/gas wells/abandoned wells and plugged wells
  • Site with lagoons
  • Municipalities and municipal water supplies (portable usage)
  • Surface/underground mining
  • Deep water risks

Policy highlights

  • $5,000 minimum deductible and premium
  • Multi-year policy terms are available
  • Covers both sudden and gradual events
  • Illicit Abandonment Coverage available
  • No sublimit on mitigation expense (i.e emergency response costs)
  • Available on a primary or excess basis


$25 million

The Liberty difference

  • Fast responsive service from in-house EIL underwriters in Toronto, New York, Boston, Denver, San Francisco, London, Madrid, and Sydney
  • Successful ten-year track record writing EIL policies
  • Consistent, thorough underwriting approach enabling our team to address complex environmental liabilities
  • Straightforward EIL application forms

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team