Environmental Insurance provided by Browne Insurance Services

Today, greater risk exposure is coming from environmental liabilities that are likely not insured under standard liability insurance and property programs. Talk to us to know where your environmental liability may be and how to mitigate the exposures and close coverage gaps.
What You Should Know About Enironmental Insurance?

Environmental insurance (also known as pollution insurance or pollution coverage) provides coverage for loss or damages resulting from unexpected releases of pollutants typically excluded in general liability and property insurance policies. The losses or damages covered by environmental insurance usually arise in the form of claims against insureds for bodily injury, property damage, cleanup costs, and business interruption.

Standard general liability and property insurance policies exclude most losses connected to pollution with very few exceptions such as from smoke from an out-of-control fire or fumes from a faulty heating or air-conditioning system.

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What does Environmental Insurance Cover?

 

Common optional coverages include:

  • Non-owned waste disposal sites
  • Transportation of pollutants as cargo
  • Business interruption
  • Loss of rents
  • Extra expense
  • Reputational damage
  • Midnight dumping on insured locations
  • Coverage for fungi/bacteria as defined pollutants
  • Amended definitions of cleanup costs for contaminates that are not regulated as hazardous materials (fungi/bacteria)
  • Reputational damages
Why business needs Environmental Insurance?

Most businesses have general liability that protects them against claims of slander, libel, bodily injury, and property damage. What general liability does not protect your business from is a scenario where it accidently exposes customers or the environment to pollutants. The costs of pollution as a negative externality can be quite high for a business. There is the ethical cost of endangering people’s lives, but this also comes with legal and monetary costs. Environmental liability can protect your company from the high fees of clean ups, law suits, and other costs that pollution related accidents have.

Shifting coverage for pollution losses from the standard GL policy to the environmental liability policy has marked a significant change in commercial insurance over the past forty years, with the change attributable both to America’s growing sensitivity to environmental concerns and insurers’ growing understanding of the potential exposure. Talk to us to know more about Environmental Insurance

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As an independent agency, Browne Insurance Services
Helps you find the right Environmental Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Business Owners Insurance - General liability

Risk Factors

There can be a possibility that a visitor gets injured or gets their property damaged in your business premises.

Solution

Every business, even if home-based, needs to have liability insurance.  The policy provides both defence and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Property damage

Risk Factors

Your business property may get damaged by certain unexpected events like fire, explosion, hail, etc and cause you a great loss.

Solution

Properties covered by a business policy usually include buildings (owned or rented, additions or additions in progress and outdoor fixtures). The property insurance portion of a It is usually available as named-peril coverage, which provides coverage only for damage caused by events specifically listed in the policy (typically fire, explosion, wind damage, vandalism, smoke damage, etc.).

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Business Owners Policy (BOP)

Risk Factors

A business owner would require to take various types of insurance coverages to cover each risks. This can cost him more if he/she  take it separately.

Solution

A business owner policy packages all required coverage a business owner would need. Often, BOPs will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Cyber liability

Risk Factors

Cyber-attack on your computers can be harmful and you would become liable for the losses & expenses incurred.

Solution

Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Note:  Actual policies must be consulted for specific terms and conditions.

Cyber Liability Insurance - Error & Omission liability

Risk Factors

There can be instances where the cyber-attack caused due to negligence of an employee which results in data breach.

Solution

This covers claims against the business arising from negligent acts, errors, or omissions such as the failure to protect sensitive data, the failure to provide notification of a data breach, or the failure to prevent a security breach that results in a DoS attack or the introduction of a virus.

Note:  Actual policies must be consulted for specific terms and conditions.

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