Environmental Insurance

Our expansive global network of environmental experts and in-house claims professionals focus on each client’s individual needs and risk factors to help mitigate the effects of a pollution incident.

Access PIER (Pollution Incident and Environmental Response)

Why choose AIG for Environmental Insurance?

For nearly  four decades, AIG has delivered environmental insurance solutions to businesses, large and small. We have proven understanding of clients’ environmental-specific risk management needs, supported by creative underwriting teams with 35+ years’ experience in 14 U.S. offices. Our risk management program evaluations are performed by in-house engineers, each with an average of 15+ years’ experience in insurance and environmental consulting.

Companies today need flexible solutions and hands-on help in the event of a pollution incident, and the 24/7 emergency response and crisis management services offered can help make cleanup and remediation more efficient.

With AIG, you have exclusive access to market-leading tools and programs to help you manage risk, mitigate environmental losses, conduct loss control, and optimize emergency responses.

  • 35+ years' experience in our creative underwriting team
  • 24/7 emergency response and crisis management
  • 215+ countries and jurisdictions—one of the largest global networks
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The AIG Advantage

With 60+ in-house claims specialists, our environmental claims operation is the largest in the industry. Our expansive global network of experts includes dedicated loss control specialists and in-house claims professionals focused on each client’s unique risk factors.

Creativity and Flexibility

Multinational projects and multi-year Contractors Pollution Liability are examples of how we help clients meet contractual requirements through program flexibility. Our experience in environmental coverage enables creative designs like in our TCP2 and EAGLE programs.

Claims Expertise

The depth and breadth of our operation means we can devote expertise to environmental claims of all types. In-house, industry-focused claims professionals provide expert guidance and prompt resolution to every claim.

Small Business Servicing

AIG’s dedicated Small Business Environmental Unit provides rapid and efficient account expertise and servicing, with responses within 48 hours in most cases, for contractor clients with annual revenue under $20 million.  

Global Capabilities

We help clients to meet local compliance requirements including limits and requisite certificates of insurance. We have one of the largest global networks in the industry, spanning approximately 70 countries and jurisdictions.

  • Enables creative program designs, such as Trade Contractors Pollution and Professional Liability (TCP2) and EAGLE
     
  • Helps clients meet contractual requirements through program flexibility, such as multi-year Contractors Pollution Liability project policies, and coverage for multinational projects

  • Provides proven understanding of clients’ environmental-specific risk management needs, supported by creative underwriting teams with 35+ years’ experience in 14 U.S. offices

  • Supports clients and underwriters with risk management program evaluations by in-house engineers who each average 15+ years’ experience of insurance and environmental consulting
     
  • Assists with 24/7 emergency response, crisis management, and cost control via Pollution Incident and Environmental Response® (PIER)

  • Assigns in-house, industry-focused  claims professionals to provide dedicated, expert guidance and prompt resolution

  • Provides flexible, tailored solutions for businesses of all sizes with exposures around the world

  • Enables clients to meet local compliance requirements including limits and requisite certificates of insurance 

  • Delivers swift, efficient service consistently through one of the largest global networks in the industry, spanning approximately 70 countries and jurisdictions 

Advantages in Action

Challenge

A plastic component manufacturer and distributor learned its general casualty program specifically excluded pollution losses, an area in which the company had exposures.

Solution

AIG drew on its environmental expertise to present the client with a detailed analysis of its exposures and a tailored Environmental and General Liability Exposures (EAGLE) Program® to fit its unique needs.

AIG Benefit

The client has peace of mind knowing they have the appropriate coverages for their unique needs, supported by insights that reduce risk.

Challenge

A client had a fire at a paint facility. While extinguishing the fire, water run-off endangered the surrounding area.

Solution

The client called first responders and AIG’s PIER® Hotline, allowing them to work with local resources to ensure contamination did not spread. The site was quickly remediated, preventing potential contamination of a local waterway.

AIG Benefit

The rapid response, prevention, and mitigation measures helped reduce the overall cost of the claim. Quick action—including use of PIER® —protected the waterway and the client’s reputation as a socially responsible community member.

Challenge

In expanding to a new country, a client needed a locally admitted policy and certificate of insurance for environmental liability.

Solution

AIG’s global network quickly placed local coverage meeting the in-country requirements, including the requisite certificate.

AIG Benefit

The client was able to keep its business running without interruption and/or fines.

AIG Environmental Coverage Solutions

EAGLE combines General Liability and Pollution Legal Liability into a single packaged insurance product. This provides a comprehensive risk management solution, with Excess, Cyber, and Commercial Auto liability limits also available.

Learn more about our updated EAGLE policy

Learn more about Cyber Liability with EAGLE

Download the EAGLE application

We tailor our Contractors Pollution Liability (CPL) insurance to unique exposures. Coverage extends to third-party bodily injury, property damage, or environmental damage claims resulting from pollution conditions caused by covered operations (often left uncovered by standard GL policies) with limits available up to $75M.

Download the Contractors Pollution Liability application

When conditions from scheduled Storage Tank Systems cause pollution, TankGuard® provides coverage for clean-up costs, corrective action, and third-party bodily injury and property damage claims. TankGuard® can also be used to satisfy financial assurance requirements.

Please send submissions to:

submissions@chamberagent.com (UST’s under 25 years old and AST’s under 40 years old)

PLLServicing@aig.com (all other UST’s/AST’s)

TCP2 combines contractors’ pollution liability coverage and professional liability coverage for environmental and errors and omissions exposures faced by construction, service, trade, and artisan contractors.

Learn more about TCP2

Additional Benefits

AIG environmental policyholders have exclusive access to market-leading tools and programs to help manage risk, mitigate environmental losses, conduct loss control, and optimize emergency responses.

Pollution Incident and Environmental Response® (PIER)

Get access to a nationwide network of pre-screened emergency response contractors, environmental specialists, or crisis management firms who respond in a timely manner to environmental incidents at pre-negotiated rates. This helps minimize or mitigate losses associated with an incident.

Call 1-877-PIER NOW (743-7669) or access our PIER mobile website.

Learn more about PIER

Claims Expertise

Our environmental claims operation, with 60+ in-house claims specialists, is the largest in the industry. The depth and breadth of our operation means we can devote expertise to environmental claims of all types.

Report your claim by sending a fax to 866-260-0104, emailing SeverityFNOL@aig.com, or log onto our PIER mobile website at https://www.aig.com/pier, open the Claims accordion and follow the instructions.

Dedicated and Efficient Small Business Servicing

AIG’s dedicated Small Business Environmental Unit provides rapid and efficient account expertise and servicing, with responses within 48-hours in most cases, for contractor clients with annual revenue under $20 million.  

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

Downloadable Materials

Filename
aig-environmental-liability-highlight-sheet.pdf
Size
246 KB
Format
application/pdf
Environmental Highlight Sheet

Filename
new-holistic-approach-for-middle-market-highlight-sheet.pdf
Size
82 KB
Format
application/pdf
Middle Market Value-Add Overview Highlight Sheet

Filename
new-holistic-casualty-approach-for-middle-market-highlight-sheet.pdf
Size
91 KB
Format
application/pdf
Middle Market Value-Add Casualty Highlight Sheet

Filename
environmental-and-general-liability-exposures-program-highlight-sheet.pdf
Size
140 KB
Format
application/pdf
Environmental & General Liability Exposures Program (EAGLE)

Filename
cyber-eagle-hs.pdf
Size
58 KB
Format
application/pdf
Cyber Liability Coverage for EAGLE

What is Environmental Insurance?

Environmental insurance covers your business in the event of a pollution accident that causes bodily injury, property damage, or clean-up costs for third parties. Oftentimes, other types of liability insurance will not include this type of coverage, so it’s a good idea to consider environmental insurance if your business may be involved in any hazardous waste emissions or exposure. This can happen during manufacturing, excavation, and construction. Agribusinesses and oil companies may also be at a unique risk.

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.