Environmental Liability

Given the potentially catastrophic consequences of environmental damages, it’s essential for companies to evaluate, mitigate and protect against these risks. Allianz Commercial has a team of expert underwriters, who are specialists and highly experienced in handling environmental exposures and providing environmental liability insurance, with tailored solutions in the areas of premises pollution and contracting pollution. You and your clients work with our local decision makers who are focused on building long-term relationships based on open and ongoing dialogue.

Appetite

Business Appetite
Coverage
Capacity
Term
Environment Protect Premises (Site Pollution)
Up to USD 25mn each incident /
USD 50mn aggregate

Up to 5 Years

Environment Protect Projects (Contractors Pollution)
Same as above
Practice Policy: Up to 3 years Project Policy: Up to 15 years - combined policy term & completed ops
Pollution Excess Follow Form
Same as above
Same term as the respective product noted above
Segments
Appetite
Construction
Owner / contractor controlled insurance programs, practice programs, general contractors, construction management, trade / specialty contractors, public private partnerships (P3projects)
Manufacturing
General, light industrial, assembly, fabrication, automotive, pharmaceuticals, food & beverages
Energy
Petrochemical and chemical manufacturing, processing or distribution, bulk / distribution terminals and tank farms, power generation (non-coal combustion), power distribution
Real Estate Portfolio
Property owner / managers, public entities, public utilities, retail, education / higher ed, financial institutions, private equity, hospitality, commercial, residential
Logistics / Wholesale
Transportation, storage and distribution
Documents
Content
Download
At a Glance
Insurance Coverage Scenarios
Business Appetite
Coverage
Capacity
Term
Environment Protect Premises (Site Pollution)
Up to CAD 25mn each incident / CAD 50mn aggregate

Up to 5 Years

Environment Protect Projects (Contractors Pollution)
Same as above
Practice Policy: Up to 3 years Project Policy: Up to 15 years - combined policy term & completed ops
Pollution Excess Follow Form
Same as above
Same term as the respective product noted above
Environment Protect Infrastructure (Site + Contractors Pollution)
Same as above
Same term as the respective product noted above
Segments
Appetite
Construction
Owner / contractor controlled insurance programs, practice programs, general contractors, construction management, trade / specialty contractors, public private partnerships (P3 projects)
Manufacturing
General, light industrial, assembly, fabrication, automotive, pharmaceuticals, food & beverages
Energy
Petrochemical and chemical manufacturing, processing or distribution, bulk / distribution terminals and tank farms, power generation (non-coal combustion), power distribution
Real Estate Portfolio
Property owner / managers, public entities, public utilities, retail, education / higher ed, financial institutions, private equity, hospitality, commercial, residential
Logistics / Wholesale
Transportation, storage and distribution
Documents
Content
Download
At a Glance
Insurance Coverage Scenarios

Why Allianz Commercial

At Allianz we recognize and understand the unique challenges you and your business face. And as a leading global corporate insurance carrier, we have the network and expertise to help. Find out why we’re best placed to help with Environmental Liability insurance solutions.

Market Leading Capacity
Up to $25M each incident / $50M aggregate to handle the largest risks
Environmental underwriting expertise
Our underwriting teams are specialists and highly experienced in handling environmental exposures. You and your clients work with local decision makers who are focused on building long-term relationships based on open and ongoing dialogue.
Expert risk consulting
Combining industry knowledge with years of experience, our risk consultants understand our customers’ business first hand and how to address and mitigate against
the unique environmental exposures they can face.
The world’s largest property & casualty insurer with a network in over 200 countries and territories
Clients have access to professionals who know the local territory, culture, language and regulations around the globe.
Strongest financial rating of the leading global property and casualty insurers
With consistently strong solvency ratios and prudent investment strategies, clients and brokers rely on Allianz for long term sustainable strength.

From Risk to Resolution

Read our Environmental success stories to learn how our Claims Team helped clients optimize business outcomes before, during, and after a loss.

Release of raw sewage into the construction and property structure of the operations

The insured won a contract in the US to provide maintenance on tolling, lighting and signals for a state department of transportation.

Delivering effective remediation for a major mold-based loss

Mold growth was suspected at one of the insured’s key facilities.

Mold abatement following a damaging flood

One of the client’s key works – an exposed 6-story building
construction project – sustained significant flooding damage because of severe weather storms.

An industrial chemical released into the ground

An insured pump operator failed to vent a railcar during an ethanol transfer at one of the insured’s sites.

Product

Environment Protect Premises (Site Pollution)

Allianz Commercial offers pollution insurance solutions for a wide range of environmental liability resulting from a pollution condition. These solutions are perfect for companies with manufacturing plants, distribution centers, laboratories, warehouses, and even retail outlets. We offer limits up to US $25mn each incident / US $50mn aggregate for up to a 5 year term.

Environment Protect Premises
Environment Protect Projects

Environment Protect Projects (Contractors Pollution)

Allianz Commercial provides pollution insurance solutions for a wide range of environmental liability risk resulting from a pollution condition at a job site. These solutions can be written on a practice or project-specific basis either on an occurrence or claims-made basis. We offer limits up to US $25mn each incident / US $50mn aggregate, up to a 3 year term for a practice policy and up to 15 years combined policy term and completed operations for a project policy.

Pollution Excess Follow Form

Allianz Commercial offers a pollution excess follow form solutions for premise site pollution or contractors pollution policies. We offer limits up to US $25mn each incident / US $50mn aggregate.

Pollution Excess Follow Form
A woman on her mobile phone on a roof top balcony

Risk Advisory Consulting

Allianz Commercial, we provide a wide range of risk consulting services to help your business manage, prevent, and reduce risks, whatever your industry.

Claims Capabilities

An insurance claim is the defining moment for our service – the moment when we deliver on our promise. At Allianz Allianz Commercial, we are committed to deliver superior claims experience to our customers : before, during and after a loss.

A strong business woman looking into the camera smiling

Insights

The top business risks in 2024

The Allianz Risk Barometer ranks the most important risks businesses face for the coming year. Click below to access resources that assess emerging risks across countries, industries and sectors, providing businesses and professionals with insights to anticipate and manage potential challenges.

Atlantic Hurricane Season Outlook 2023
Plastic perils mount up
A turning point for
offshore wind

Contact us

Meet our Environmental Liability team

Steve Tagert
Environmental Practice Leader
North America
US
Nicole Baker
EIL Team Leader
US
Alex Li
EIL Leader
Canada

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The material contained in this publication is designed to provide general information only. While every effort has been made to ensure that the information provided is accurate, this information is provided without any representation or warranty of any kind concerning its accuracy and Allianz Global Risks US Insurance Company cannot be held responsible for any errors or omissions. All insurance products are subject to the terms, conditions and exclusions contained in the individual policies.  Please be advised that these insurance products are not available in every state or country.