Premise Environmental Liability (PRE), often referred to as Site Pollution Liability or Premises Pollution Liability (PPL), helps businesses manage the financial risks associated with environmental liabilities, ensuring they can address pollution events effectively and maintain smooth operations.

Understanding Premises Pollution Liability Policies

Understanding Environmental Premises Policies

Our PRE policy helps protect against bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with a covered location on a claims-made basis. It also covers an insured’s pollution liability arising from non-owned disposal sites, transportation of products or wastes, business interruption, contingent business interruption, biological hazards and incidental contracting services.


Who Needs Premises Pollution Liability?

This policy is suitable for many facilities, including:

  • Environmental facilities including landfills, recyclers and treatment plants
  • Real estate properties including apartments, condominiums, hotels, offices and shopping centers
  • Chemical/petroleum facilities including distribution, manufacturing and storage facilities
  • Commercial facilities including food and warehouse facilities, airports and universities
  • Healthcare facilities including hospitals, healthcare centers and nursing homes
  • Industrial facilities including light and general manufacturing plants
  • Municipalities and utilities

Explore Our Special Risks Enhancement

Our PRE Policy Takeaways

  • Coverage for both new and historical conditions
  • Coverage provided for gradual and sudden and accidental events
  • Pollution conditions covered both on and off-site. Coverage is triggered by the discovery of pollution condition or a claim made by a third party
  • Contracting services performed by the insured can be covered on an occurrence basis and includes a discovery trigger
  • Coverage for non-owned disposal sites on an unscheduled basis
  • Occurrence in-bound and out-bound transportation coverage to or from a covered location
  • On-site clean-up costs for biological hazards
  • Coverage for business interruption and contingent business interruption
  • Coverage for emergency response costs
  • Legal expense is provided within the limit of liability
  • The policy broadly defines who is an insured
  • The definition of bodily injury includes building related illness and medical and environmental monitoring
  • The definition of replacement costs includes green building materials
  • Coverage includes compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments, where insurable by law
  • The definition of pollutants includes mold, legionella, electromagnetic fields and methamphetamines
  • Definition of pollution condition includes illicit abandonment of pollutants at a covered location or by a carrier during transit
  • Definition of property damage includes natural resource damages
  • Ninety (90) day Automatic and three (3) years Optional Extended Reporting Period for claims-made coverage grants

Our PRE Policy Features

  • Limits of Liability up to $50 million each pollution condition/$100 million aggregate
  • Policy terms of up to ten (10) years
  • $7,500 minimum premiums
  • Covers locations in the U.S. or Canada
  • Separate limits can apply to each coverage part

Submission Requirements

  • GAIG General Application For Environmental Insurance
  • Most recent environmental reports or a GAIG Supplement Application For Premises Environmental Liability Insurance
  • Past three (3) years loss history
  • Last two (2) years financial statements and/or 10-K report

Learn More

  Product Summary Guide
  Overview of Products
  Premises Fact Sheet
  PRE Enhancement Guide

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