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Pollution Legal Liability

Pollution Legal Liability (PLL)

Companies that own or operate land are increasingly at risk of realizing significant environmental liabilities as a result of sweeping environmental laws and regulations. Emerging pollutants such as mold, legionella and indoor air contaminants can appear even within the most innocuous facilities. Axon Underwriting can tailor insurance solutions to help manage environmental risks associated with the ownership and operation of real estate.

Fully Integrated Approach to Insuring a Property Owner’s/Operator’s Environmental Exposures:

Pre-existing and New Pollution Conditions
Crisis/Reputation Management
Non-owned Disposal Site Liability
Transportation Pollution Liability
Contracting Services Pollution Liability
Business Interruption
Products Pollution Liability

Pollution Liability Coverage for Your Insured Site(s) can include:

Asbestos or Lead for Bodily Injury, Property Damage, Cleanup of Soil/Groundwater
Broad Coverage for Your Contracting (by you or on your behalf) & Transportation Operations
Emergency Expense Coverage
Separate Limits and Retentions Available for Coverage Sections (subject to one Policy Aggregate)

Target Clients:

Industrial (Manufacturing & Distribution)
Commercial (Retail, Hospitality, Entertainment, Warehousing)
Institutional (Educational, Hospital, Municipalities)
Real Estate / Habitational / Office (REITs, Property Mangers)
Environmental Facilities (Waste Treatment, Disposal, Recycling)

Coverage Terms:

Minimum Premium: $3,500
Maximum Limits: $5,000,000 Each /$10,000,000 Aggregate
Minimum Retention: $5,000
Maximum Policy Term: 5 years
Maximum Portfolio: 15 Locations
Underground Storage Tank(s) can be scheduled for coverage subject to underwriting (incl. financial assurance where necessary)
Third Party Claims & First Party Discovery Trigger
Bodily Injury (incl. medical monitoring), Property Damage (incl. Natural Resource Damage), & Cleanup Costs (incl. Environmental Professional trigger absent applicable environmental laws)
Discovery of Both Onsite & Offsite Pollution Incidents
Broad Definition of Pollution Conditions—not all pollutants are hazardous or toxic
• Broad and Customizable Coverage Form

• Pollution Liability Coverage at Your Insured Site(s)

• Broad Pollution Liability coverage for off-site activities (i.e., Transported Pollution Liability, Waste Disposal Sites Coverage, Contracting Operations, all on an unscheduled basis)

• Coverage can be tailored to fit the insured’s operational and/or Transactional exposures

• Site Pollution Legal Liability application

• Environmental Due Diligence Reports or Property Surveys (if they exist)

• Copy of pollution loss runs (renewal accounts)

• Financials are required for specific classes or for high retention placement

• Applicable for Fungus/Mold Coverage: 5 Yrs of GL and Property Loss Runs, Mold Management Plan

• Applicable for Storage Tank Coverage: inventory of storage tanks; most recent tank tightness / integrity tests

• Additional information may be required for certain coverages

AXON PLL Application - Download
Axon PLL Flyer - Download

All Submissions should be forwarded to submissions@axonu.com.  Any questions can be directed to 804.256.3530