Environmental Insurance

What Does Environmental Insurance Cover?

Comprehensive environmental insurance provides targeted protection against losses caused by the release or escape of pollutants. At its core, this coverage typically includes:

• Bodily injury related to pollution incidents (aligned with or exceeding your general liability policy definitions)
• Property damage caused by pollutants, also paralleling your GL policy’s terms
• Cleanup costs mandated by environmental laws, often customizable based on your industry’s needs
• Defense costs, usually covered within your liability limits

Additional coverages can be tailored to your business and may include:

• Liability for non-owned waste disposal sites
• Protection during the transportation of pollutants as cargo
• Coverage for business interruption and loss of rental income
• Reimbursement for extra expenses incurred due to pollution events
• Protection against reputational damage linked to environmental claims
• Coverage for illegal dumping (“midnight dumping”) at your insured locations
• Protection against fungi and bacteria, classified as pollutants in some policies
• Expanded definitions for cleanup costs related to contaminants not regulated as hazardous materials

At Income Resource Group, we help you navigate these options—tailoring environmental insurance to fit your specific risks and regulatory requirements, so your business stays protected from every angle.

Why Your Business Needs Environmental Insurance

Most businesses carry general liability insurance to protect against claims like slander, bodily injury, or property damage. However, general liability often doesn’t cover pollution-related incidents—like accidentally exposing customers or the environment to harmful pollutants.

The consequences of pollution can be severe, not just ethically but financially. Beyond the impact on people’s health and safety, pollution incidents can lead to costly cleanups, lawsuits, regulatory fines, and other unexpected expenses.

That’s where environmental liability insurance comes in. It provides focused protection against these unique risks, helping your business manage cleanup costs, legal fees, and claims related to pollution accidents.

Over the past four decades, as awareness of environmental issues has grown, insurers have developed specialized policies to address these exposures—shifting pollution coverage away from general liability to dedicated environmental insurance.

At Income Resource Group, we’ll guide you through this evolving landscape and help you secure the right coverage to protect your business and the environment.

Contact us today to learn more about Environmental Insurance and how it fits your business needs.

Already Have Environmental Insurance? Let’s Ensure It Still Meets Your Needs

If your current environmental insurance isn’t providing the support, coverage, or service your business deserves—whether due to frustrating claims experiences, rising premiums, or limited flexibility—it might be time to explore better options.

Switching policies requires careful timing. Canceling your existing coverage before a new policy is in place could expose your business to costly risks.

At Income Resource Group, we make it easy to review your current plan, compare alternatives, and guide you through a smooth, worry-free transition—so you stay protected without interruption.

Reach out today to discover coverage options tailored to your business and peace of mind.