Are you a candidate for pollution liability insurance?

Unfortunately, unless they’re in an industry associated with pollution or environmental liability issues, many business owners think they are not exposed to such risks. And other business owners mistakenly believe their general liability policy will cover them in the event of a pollution incident for which they’re found liable. Either way, pollution-related incidents and conditions can happen to just about any company and you can easily end up responsible for expenses related to cleanup, defense costs, property damage, and/or bodily injury liability judgments, as well as regulatory fines.

Make sure you’re covered — especially if you are in a higher-risk sector.

First, know that all kinds of businesses have some type of pollution liability risk. Second, be aware that a general liability policy typically doesn’t include coverage for incidents involving pollution — and when coverage is included, it may not be broad enough or the liability amounts may not be sufficient. If your company is found liable for bodily injury or property damage due to the release of fuel, chemicals, toxic gases, or other contaminants or corrosives, it could very well be held responsible for damages and cleanup costs.

The most common businesses at risk, of course, are in the contracting, real estate, manufacturing, dry cleaning, and transportation industries. But so many other types of firms are also at risk, including small businesses like landscapers and restaurants. We have worked with these sorts of businesses in New Jersey, Pennsylvania, and Connecticut, including companies and organizations in Mercer, Middlesex, Monmouth, Ocean Counties, as well as Bucks County, PA.

Pollution liability insurance is designed to insure owners and operators, protect against both sudden and gradual pollution events, and can cover on-site and off-site problems. Legal defense costs are usually included, and some policies offer an option for an extended reporting period for claims. A pollution liability policy can be tailored to your operations, even including coverage for acquired properties and business interruption costs.

The staff at Martin Insurance Group can help determine your environmental liability risk and put together a proposal that includes which insurance products you require to protect you in the event of an accident. Call now to speak with a representative about pollution liability insurance. Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need pollution liability insurance?

A. If you own or are thinking about starting a business, having insurance coverage should be one of your top priorities — right after incorporation and a business plan.

Without specialized business coverage like pollution liability insurance, everything you put into a business could easily be wiped out with one accident, law suit, or other unplanned hardship. The Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), or specialized industry coverage like bakery insurance or even cyber liability coverage, we can help.

Q. Why should I buy pollution liability insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are, we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have pollution liability insurance. How do I know if it’s the right type or amount?

A. If you already have some form of pollution liability insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.

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