Established to provide innovative Underwriting solutions, together with Schemes for Corporate, Small to Medium Business Enterprises ( SME) across a broad range of occupations for Primary and Excess Liability covers.
Environmental Impairment Liability - Contractors Pollution SME ( CPL)
Our focus is the SME market for occupations with low, medium and high hazard exposures for a broad range of industries. Producing solutions for Standalone Liability risks is a priority or included as a sub-section to the Liability Policy.
“Can do” approach to underwriting and product development for single risk placements and industry schemes.
Companies therefore need to ensure that they have adequate cover to protect their balance sheet and reputation, should an event occur in which they are deemed negligent. The usual sudden & accidental pollution coverage provided by an insured’s general liability policy is often found deficient when it comes to many pollution claims as the coverage is quite narrow. Serious consideration should be given to purchasing bona fide pollution cover that provides protections for not only S&A pollution, but also gradual pollution, own-site pollution and historical pollution. Howden have a dedicated team of environmental impairment liability specialists that are well positioned within the London market to ensure that a pollution programme can be designed to ensure a client’s exposures are fully covered.
Our Security
Is underwritten 100% by Certain Underwriters at Lloyd’s.
Our Coverage features: Contractors Pollution SME ( CPL)
Limit of indemnity $250,000 each and every claim and in the annual aggregate. ( Higher Limits can be considered)
Deductible $5,000 each and every claim
Coverage is Claims made policy form including:
Retrodate inception unless continuity of coverage declared
Coverage is XS and DIC of GL sudden and accidental
PFAS and Cyber exclusions
Own Site Clean Up (first-party)
General Liability policies do not cover own site clean-up or mitigation measures. EIL can provide the business with onsite coverage for clean-up costs, 3rd party bodily injury and property damage associated to the pollution incident.
Historical pollution
Pollution can be present on sites even though there is no current operational risk and businesses may face historical contamination from a site’s previous uses. EIL policies can provide businesses with coverage for historical pollution present on and off-site.
Sudden & Accidental vs Gradual Pollution
Sometimes it is difficult to establish if a pollution incident was caused by a S&A or gradual pollution incident. EIL insurance is designed to cover all pollution conditions, and it makes no distinction between gradual and S&A pollution.
The Timark Risk Appetite
Suitable for SME contractor clients - definition of SME up to $6.5m turnover
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Contact Tim Ezzy today for all your liability requirements.