Sirius Environmental’s Pollution Legal Liability Plus (PLLP) protects against environmental liabilities that are not typically covered by a general liability policy. The PLLP policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage), and legal expenses for new and/or historical pollution conditions on, at, under, or migrating from or through a covered location, or an indoor contaminant condition at a covered location.? The PLLP policy also provides coverage for mortgage protection, diminution in value, business interruption, non-owned disposal sites, transportation of an insured’s wastes or products, and contracting services.
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Target Classes of Business:
- Multi-family residential (apartments and condominiums)
- Hospitality?
- Commercial office buildings
- Airports
- Warehouses/Distribution facilities
- Healthcare facilities (hospitals, nursing homes, out-patient facilities, etc.)
- Environmental facilities (landfills, treatments plants, etc.)
- Manufacturing facilities?
- Redevelopment properties
- Brownfields
- Agricultural facilities
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Product Highlights:
- Coverage for mold matter and legionella pneumophila
- Business interruption including contingent business interruption and delay costs for new pollution conditions
- Emergency expense costs, including:
- Remediation
- Evacuation
- Disinfection costs, including:
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- Bed bugs
- Communicable virus, bacteria, or disease
- Additional legal costs provided outside the limit?
- Diminution in value coverage
- Mortgage protection coverage for lenders
- Provides coverage for pollution conditions and/or indoor air contaminant conditions arising from a cyber attack at a covered location
- Occurrence coverage for the insured’s contracting services at job sites
- Coverage for bodily injury and property damage from asbestos-containing materials (ACM) and lead-based paint (LBP)
- Coverage for non-owned disposal sites and occurrence transportation (first and third party)
- Civil fines, penalties, and assessments (where insurable by law)
- 90-day automatic extended reporting period
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Product Features:
- Limits of liability up to $25MM occurrence / $25MM aggregate
- Policy terms of up to ten (10) years, thirteen (13) years for lenders
- Minimum premium of $5,000 for an annual policy
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Submission Requirements:
- Application
- Copies of any environmental reports (Phase I Site Assessment, Phase II Site Assessment, Remedial Investigation Reports, etc.)
- Copies of any recent property condition reports
- Pollution, general liability, and property loss runs
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*The above Pollution Legal Liability Plus product description is for informational purposes only.? Coverages described above may differ from your policy, please read your policy carefully and discuss any questions/concerns with your insurance broker.
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