Site Pollution Liability

Beazley ECLIPSE® is a sophisticated but user-friendly environmental liability and cleanup insurance product and risk-management tool, which is designed to help you control both known and unknown pollution risks associated with transactional and fixed-site (covered location) operational hazards, and potential contamination exposures

What we offer

Covered location pollution liability - new and existing pollution conditions (bodily injury, property damage, cleanup costs, natural resource damage, claim expenses with first party discovery and/or third party coverage trigger)
Transportation pollution liability (coverage for third party carriers and insured as carrier, and includes coverage for inbound and outbound waste, materials, goods or products)
Non-owned disposal site pollution liability (blanket locations, both onsite and offsite coverage)
Coverage for known pollution conditions disclosed in the application, subject to underwriting
Coverage for pass-through contamination migrating to and/or through a covered location from an offsite source
Defendants' reimbursement extension - up to $500 per day, subject to a maximum of $10,000 per claim
Reputation management reimbursement - up to 50% of $100,000 to assist clients in managing their reputational risk after a loss
Definition of bodily injury includes medical monitoring, mental anguish and emotional distress
Definition of cleanup costs includes restoration costs and allows for participation in voluntary cleanup programs

Civil fines and penalties, punitive and exemplary damages where insurable by law
Definition of pollution condition includes medical infectious and pathological waste, low-level radioactive waste and material, Legionella and microbial matter (i.e., fungus or mold)
Definition of property damage includes diminished value and natural resource damage
Coverage for asbestos and lead-based paint in any soil, watercourse/body of water or in groundwater
Coverage for scheduled, divested locations
Automatic 90-day extended reporting period (ERP) and right to purchase additional ERP
Primary coverage
90-day notice of cancellation
Policy assignment with prior written consent
Option for choice of law
Pre-claims assistance
Risk management services

Beazley will consider risks ranging in size from single-site habitational, commercial and retail locations to scheduled portfolios of industrial, treatment/storage/disposal (TSD) and petroleum bulk storage facility locations.

Up to $40,000,000

How can we help

Beazley ECLIPSE®, in its base form, provides comprehensive coverage developed to help you mitigate damages and loss resulting from claims for bodily injury, property damage, cleanup and the destruction of natural resources due to pollution conditions on, at, under or migrating from a covered location.

The Beazley Difference

Integrated risk protection package that combines several coverages in just one policy
Affirmative coverage for claims made against an insured which results in bodily injury
Deep product knowledge since we pioneered Virtual Care in 2009
Knowledgeable Underwriters, Wordings Lawyers, and Claims Managers with expertise in all key areas of coverage
Dedicated Beazley Breach Response Services, including breach response management, information security insurance solutions, and risk management services

Examples or Scenarios

Claim for extensive soil contamination was made against the insured by the project's owner. After remediation was completed, Beazley worked to indemnify the insured for remediation costs incurred and began working with the insured and its other insurers to prosecute recovery actions against the subcontractor responsible for the incident. 