Environmental Impairment Liability
When machines stop, we don’t.
Environmental Impairment Liability (EIL) Cover
Environmental Impairment Liability (EIL) also called Environmental Liability Insurance or Pollution Liability Insurance protects businesses against the financial consequences of pollution related risks . The world is moving toward stricter environmental regulations, net zero goals and sustainable operations. Environmental Impairment Liability plays an important role in this shift .
What Environmental Impairment Liability (EIL) Covers
1. Third Party bodily injury and property damage
If pollution from Company’s operations harm people or damage someone elses property.
2. Clean-up and remediation costs
Covers the cost of cleaning up pollutants, whether sudden /accidental or gradual (depending on the policy).
3. Legal defence costs
Covers lawyer fees and legal expenses for pollution-related claims.
4. Onsite - Contamination
Clean up costs for pollution on the insureds own premises (not just third-party sites)
5. Offsite -Contamination
When pollutants migrate and cause damage elsewhere -e.g run off into rivers or neighbouring land.
6. Transported Cargo pollution
Coverage for pollution caused during transportation of waste or hazardous materials.
7. Business Interruption
Some policies cover loss of income due to pollution events that force operations to shut down