GLIDER Riskopolis
Manufacturing and warehouse/distribution facilities face a wide range of risks that can disrupt operations, damage processes, and compromise products. Yet, traditional general liability policies often exclude environmental exposures from coverage. The GLIDER Riskopolis highlights real-world scenarios where GLIDER can deliver comprehensive protection, bridging the gap between general liability and pollution liability.
Can you spot the environmental risks hiding in the scene below? Take a closer look at each one by clicking on the numbers.
Key:
Pollution Incident from Tank Failure
A storage tank containing a chemical solvent ruptures overnight, leaking into the stormwater system and contaminating a nearby creek. The company faces environmental cleanup costs and regulatory fines.
Contaminated Waste Discovery During Expansion
While excavating land for a new production wing, workers uncover buried drums of hazardous waste from a previous operation. The site is shut down for remediation, delaying construction and incurring significant environmental liability.
Transportation-Related Pollution
A truck transporting waste solvents overturns on a highway, spilling contents into a drainage system. Emergency response and environmental cleanup costs are incurred, along with potential third-party claims.
Airborne Pollutant Release from HVAC System
A malfunctioning HVAC system circulates airborne pollutants from stored volatile chemicals throughout the facility and into the surrounding area. Employees and nearby residents experience health effects from inhaling the toxic fumes, requiring treatment.
Battery Storage Fire and Toxic Smoke
A fire breaks out in a section of the warehouse storing lithium-ion batteries. The resulting smoke contains toxic substances that affect neighboring properties. The warehouse operator faces cleanup costs and third-party exposure claims.
Pollution from Forklift Accident
A forklift operator accidentally punctures a drum of cleaning fluid, causing a spill in the parking lot that enters the storm drain. Environmental authorities issue fines and mandate cleanup.
Vendor Injury on Loading Dock
A third-party vendor falls off a loading dock while unloading goods, suffering a back injury. The vendor’s employer disputes coverage, leading to a liability claim against the warehouse.
Third-Party Contractor Injury
A subcontractor performing electrical work falls from scaffolding due to improper anchoring. The contractor is not covered under workers' comp, leading to a third-party liability claim against the facility.
Customer Injury
A customer touring the facility is struck by a box that falls from a high shelf due to improper stacking and suffers a head injury.
Forklift Accident – Property Damage
A forklift operator accidentally backs into a vendor’s parked vehicle during unloading, causing damage to the vehicle.
Property Damage to Neighboring Building
A fire originating from the warehouse’s electrical panel spreads to a neighboring tenant’s unit in a shared industrial complex.
Product Damage Post-Distribution
A manufactured part used in HVAC systems fails, causing water damage in a commercial building.
Coverage examples are for illustrative purposes only. All coverage is subject to underwriting.
Want to learn more?
Contact Becky Biermann for additional information.
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