Environmental Liability

What is Environmental?

Contractors Pollution Liability (CPL) coverage for third-party bodily injury, property damage or environmental damage claims resulting from pollution conditions caused by covered operations (such claims are often left uncovered by standard GL policies).

Limits available up to $75M.
Claims-made or occurrence basis.
$2,500 minimum premium.

Trade Contractors Pollution & Professional Liability (TCP2) combines CPL and E&O coverage to address liabilities faced by construction, service, trade and artisan contractors.

Environmental and General Liability Exposures (EAGLE) Program® combines standard GL coverage with pollution-specific coverage for exposures arising from on-site premises, products or off-site premises operations.

Cyber liability (security & privacy, event management and network interruption coverage) available by endorsement.
Commercial auto and excess limits (up to $25M) available with a primary EAGLE primary policy.

TankGuard® Storage Tank Liability coverage for corrective action, clean-up and third-party bodily injury and property damage claims resulting from pollution conditions from scheduled storage tank systems.

Risk Appetite

Product	Industry	Risk Preferences
EAGLE®	Manufacturing and distribution	First and third-party (tolling) manufacturing, wholesale and limited retail distribution, brokering (small, mid-sized companies)
	Chemical-related	Manufacturers, blending operations, distribution operations; raw/intermediate materials manufacturing and distribution (small, mid-sized companies)
	Utilities:public and private operations	Composting facilities; methane collection and co-generation at landfills; quarries; waste treatment, storage or disposal facilities (landfill, recycling, incineration, transfer stations); waste water treatment plants
TankGuard®	Owners/operators of underground and aboveground storage tanks	Underground tanks <25 years of age; aboveground tanks <40 years of age; commercial real estate; healthcare, education and recreation facilities; retail and wholesale fueling facilities
TCP2	Trade and artisan contractors	HVAC installation and servicing; mechanical contracting and installation; excavation/grading; masonry; communications engineering; agency construction management; alternative energy services; lawn and tree care; asbestos/lead testing and abatement; industrial hygiene/health and safety; surveying; carpentry/framers; plumbing; electrical services; air quality testing; roofing; landscaping architecture; interior design/space planning; AST/UST installation and testing; mold assessments and testing; analytical laboratory testing
CPL/CPO	Services Providers	Construction and commercial service contractors of all revenue size
	Specialty Trade	Plumbing, HVAC, concrete, electrical, painting
	General Contractors	All GC, construction management and supervision
	Abatement	Demolition, asbestos, mold, lead
	Restoration	Emergency response and clean up
	Residential Builders	Homes and condos
	Tanks	UST and AST removal and installation
	Oil and Gas	Oil and gas service contractors of all types
	Operation and Maintenance	Operation and maintenance contractors
CPL/CPO Projects	Infrastructure	Roads, bridges, rail, ports, airport expansions and renovations
	Energy/Utility	Power generation, LNG sites, alternative energy, pipeline construction
	Healthcare	Hospitals, nursing facilities, adult communities
	Commercial	Hotels, sporting arenas, retails, big box
	Educational	Schools, universities, expansions and renovations
	Residential	Multi-family, condos
	OCIP	Owner controlled projects
	CCIP	Contractor controlled projects

The AIG Advantage

Product Creativity & Flexibility

Strategically positioned underwriting teams in 14 U.S. offices for optimal client support and product insights.
35+ years of proven environmental underwriting subject matter expertise.
Flexible program design, including the ability to combine industry-standard CGL coverage with added insuring agreements for pollution-related coverages and cyber liability via EAGLE. Separate commercial auto policy also available.

Risk Consulting & Claims

In-house, industry-focused claims professionals help provide prompt resolutions and keep pace with loss trends.
Assistance with emergency response, crisis management and control of costs via PIER (Pollution Incident and Environmental Response)®.
Dedicated, in-house engineers with 15+ years of insurance and environmental consulting experience assist clients and underwriters with risk management program evaluation.

Global Reach

Expertise, solutions and service delivered in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Why AIG

Problem Solvers

Challenge: A client entered a new country and discovered they needed a locally admitted policy and local certificate of insurance for environmental liability.

Solution: With AIG’s global network, we were able to place coverage locally, meeting the placement requirements of that country, including the requisite certificate.

Benefit: The placement allowed the client to keep their business running without interruption and/or fines.

Creative Solutions

Challenge: A large commercial contractor client pursues and bids on numerous projects as standard practice. In order to be competitive in the time-sensitive bidding process, the client requires accurate and expeditious insurance cost estimating.

Solution: AIG created a streamlined project program quoting process so that the necessary pricing and coverage requirements could be provided to the client in time for their bid submissions.

Benefit: The client was more successful in the project procurement process due to AIG’s direct underwriting support to help create risk management efficiencies.

Claims Expertise

Challenge: A client was incurring significant fees for their use of emergency response contractors, who often charge higher fees for after-hours responses and for clients that don’t have a pre-negotiated contract.

Solution: The client added AIG’s PIER number to their emergency response protocols so every time a contractor was used, it was done through the PIER network of contractors.

Benefit: The client reduced costs by using PIER’s nationwide network of pre-screened emergency response contractors, environmental specialists and crisis management firms with pre-negotiated rates.