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Environmental Cleanup & Liability Insurance for Premises

Learn more about this coverage.

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Reducing the ripple effect of environmental incidents

Our Environmental Cleanup and Liability Insurance for Premises policy provides coverage for third party bodily injury and property damage resulting from a pollution incident on, under or emanating from a covered location.

The policy also extends coverage for any cleanup costs that may emerge from this incident.

GET A QUOTE START AN APPLICATION

The following provides an example of those eligible for Environmental Cleanup and Liability Insurance for Premises:

  • Hospitals
  • Municipalities
  • Waste storage and recycling facilities, transfer stations
  • Universities and schools
  • Golf courses
  • Manufacturers, warehousing
  • Various commercial and retail occupancies 

  • Policy form – claims-made and reported
  • There are two levels of coverage available:
    • Gradual and sudden pollution conditions
    • Sudden pollution events only
  • Capacity – limits up to $10,000,000 each incident/aggregate
  • Policy period – annual policies; multi-year policies
  • Standard deductible – $5,000
  • Minimum premium – contact an underwriter
  • Territory – coverage for premises located in Canada

  • On-site cleanup
  • Sudden pollution event form includes 120-hour or 240-hour detection and reporting limitation options
  • Emergency remediation costs (gradual form only)
  • Automatic extended reporting period of 30 days (gradual form only)
  • Incidental transit
  • Civil fines, penalties or assessments
  • Deductible does not apply to supplementary payments
  • The definition of cleanup costs includes restoration costs

  • Crisis management expense extension
  • Mould
  • Business interruption
  • Operations performed away from the covered location(s)

For standard submissions, please complete the form below:

Environmental Cleanup and Liability Insurance for Premises application form

Supplementary Questionnaire - Covered Operations

Once completed, please send it to submitapps.ca@victorinsurance.com

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