Environmental Liability

Environmental liability insurance (ELI) covers the cost of restoring damage caused by environmental accidents, such as pollution of land, water, air, and biodiversity damage. UK and EU legislation has significantly increased the potential costs of remediating damage caused.  Environmental issues need to be dealt with rapidly to protect the reputation of your business.

Environmental liability insurance covers the cost of repairing environmental damage arising from both common law claims, and claims arising from UK and EU legislation.

In particular, ELI provides cover for:

  • Both sudden pollution and gradual pollution
  • First party (own site) Clean-up costs imposed by regulatory authorities
  • Third party liability including impact on property value
  • Nuisance claims
  • Legal costs and expenses

General liability and property policies leave significant gaps in coverage for environmental exposures. These can include regulatory Clean-up, gradual pollution, first party Clean-up and damages under the recently implemented Environmental Liability Directive.

The ‘Polluter Pays’ principle continues to be enforced and there is a growing trend towards more financial provision for environmental liabilities throughout Europe. Companies now face the prospect of incurring a range of Clean-up costs, Compensatory Damages and Complementary Damages as opposed to the traditional fines and penalties.

Local authorities continue to identify ‘Contaminated Land’ throughout the UK. Environmental insurance can protect companies from latent liabilities associated with historical pollution. This includes property owners, investors and lenders, and provides a mechanism for managing environmental liabilities during property transactions.

Senior Wright Ltd work with the market leaders in the integration of environmental insurance, risk control and claims administration worldwide.

Please contact enquiries@seniorwright.co.uk for any further information.


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