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How Insurance Protects from Pollution Cleanup Liability

The two forms of commercial pollution insurance highlighted here protect both the marine operations and non-marine operations. The coverage incorporates bodily injury and property damage resulting from contaminants and cleanup costs.


RELATED: what type of insurance for environmental risks?


Insurance for Marine Business Pollution Cleanup Liability

This type of policy will shield the watercraft owner and operator from liability associated with the Federal Water Pollution Control Act and related revisions. While the Water Quality Improvement Act enacted in 1970 focused on the liability of ship owners in connection with oil or petroleum spill cleanups, the subsequent water pollution control act that was created in 1972 expanded legal liability to also include seepage of hazardous matter.



Insurance for Non-Marine Business Pollution Cleanup Liability

This form of insurance coverage protects businesses and contractors that are not part of the marine industry. Businesses and service providers that utilize chemicals, toxic products and even non-toxic matter that may be considered injurious at a later point are subject to pollution cleanup liability. Besides initial cleanups, the insurance also covers expenses related to further cleanups of a property that may yet become necessary from a previous episode. It also covers certain 3rd-party liability.


For more information on pollution insurance and how it relates to your marine or non-marine operation, contact us at PRIME Insurance.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Pollution Cleanup Insurance covers both the marine and non-marine related business.


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