Environmental Insurance

Catlin US has a broad range of Environmental products to insure contractors and real estate professionals from pollution related exposures.

Broad coverage options allow Catlin US to tailor insurance solutions for the risks related to operating, remediating and developing property. Coverage is provided through Catlin Specialty Insurance Company and Catlin Insurance Company, Inc.

Environmental Protective, Professional and Pollution Liability Insurance Policy (EP3)

Insures Environmental Contractors and Professionals against Professional Liability and pollution exposures arising out of their services.

Product highlights

• Option to purchase CPL coverage only or E&O coverage or a combination of both
• Blanket Non-Owned Disposal Site coverage
• Blanket transportation coverage
• Mold and Legionella coverage included
• Option of Claims made or Occurrence coverage
• Natural resource damages and restoration costs included

Target markets

• Environmental remediation contractors
• Environmental engineering firms
• Construction management firms
• Electrical, mechanical/HVAC contractors
• Industrial contractors

Owner’s Environmental Protective Professional and Excess Contractor’s Pollution Liability Insurance Policy (OEP)

Provides first party indemnity coverage for project owners for loss caused by their subcontracted design professionals and contractors.

Uses include:

• Excess and DIC coverage over Design Professionals E&O coverage
• Excess and DIC coverage over subcontractors pollution coverage
• Project-specific coverage for construction projects where environmental remediation costs are more than 5 percent of total construction costs.

Product highlights

• Capability to tie-in professional liability coverage with traditional project-specific Contractor’s Pollution Liability
• Option to purchase primary Contractor’s Pollution Liability coverage
• Third Party Claim Defense and Obligation coverage

Target markets

• Brownfield redevelopment firms
• Companies undertaking remediation projects
• Construction projects with greater than 5 percent remediation

Site Pollution Liability Insurance Policy (SPL)

Offers claims made coverage for “sudden and accidental” and gradual environmental exposures to property.

Product highlights

• First part discovery trigger for cleanup costs
• Third party claims for Business Interruption, Physical Damage, and cleanup costs
• Blanket first and third party contingent transportation pollution coverage
• Blanket Non-Owned Disposal Site coverage
• Option for Owners to purchase OEP coverage within SPL policy to close potential gaps in coverage
• Includes Mold, Legionella,NRD and restoration costs

Target markets

• Commercial real estate
• Manufacturers
• Medical facilities
• Chemical and energy risks
• Construction materials manufacturers

Flexibility

• Ability to design comprehensive programs
• Ability to mix and match all coverages
• Ability to manuscript coverages to match exposures

Coverage is provided through Catlin Specialty Insurance Company and Catlin Insurance Company, Inc.