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Why Choose AIG for Environmental Risks Insurance?

Don’t let a pollution incident threaten your whole business

Environmental exposures have been amplified by a tougher legal environment throughout the EU which introduced new concepts such as damage to biodiversity and more stringent clean-up requirements. 

To meet the needs of our clients, EnviroPro has been developed. EnviroPro is a wide policy that fits in the changing laws and regulations. Besides that, its tailor-made for our clients. This means that even though businesses’ operations may not have changed, their potential environmental liabilities have increased.

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The AIG Advantage

Crisis Containment

Professional PR consultancy services included with all Environmental policies. Vital in helping protect a clients’ reputation in the event of a crisis that could have a negative financial impact.

Dedicated claims team

Our clients and brokers are supported by a dedicated Environmental claims team.

Experts in their field, they can handle all types of claims, from the smallest through to the most complex and major risks..

Multinational

With tremendous multinational expertise in our Environmental team and decades of experience in providing fully compliant global Environmental programmes for clients through our worldwide network, multinational is an exceptional area

AIG's Solutions

  • Biodiversity Damage
  • Defence and assessment costs
  • Mitigation costs to prevent the worsening of a pollution incident
  • Loss arising from Gradual, as well as, Sudden and Accidental pollution conditions
  • Clean-up Costs (on-site and off-site) including the repair/rebuilding costs to first party property damaged during clean-up
  • Third Party Bodily Injury and Third Party Property Damage resulting from a pollution condition

Optional Coverages

  • First party Business Interruption losses resulting from a pollution condition
  • Transportation related environmental liabilities
  • Contractor Operations-related risks, includes work completed by subcontractors

  • Manufacturing and Industrial facilities
  • Bulk storage and warehouses facilities
  • Waste treatment and disposal facilities
  • Commercial sites, including hospitals, shopping centres, laboratories, hotels, and housing developments.
  • National or multinational companies

  • Intentional acts committed by others than employees
  • Fines and penalties
  • Nuclear risks
  • War
  • Terrorism

This site only contains an overview of the most important coverages and exclusions. Only the general and specific conditions (“Insurance Policy”) provide an accurate, binding, description of the covers and exclusions. It is necessary to fully analyse the Insurance Policy, as well as all other relevant documents with contractual and pre-contractual information before any decision to buy, underwrite, adhere to, accept, sign or conclude an insurance agreement.

Important information

Here you will find information about how to request a quote with detail of premium calculation, the general and specific conditions, and/or other relevant documents with contractual or pre-contractual information, the duration of the insurance policy, the applicable law and jurisdiction, how to file a complaint or reach the ombudsman, etc.

Broker Toolkit

Companies are nowdays more and more confronted with environmental liabilities. Due to increasing public awareness and stricter environmental legislation, businesses are more often held liable for environmental damage. To meet the needs of our clients, EnviroPro has been developed. EnviroPro is a wide policy that fits in the changing laws and regulations. Besides that, its tailor-made for our clients.

Best Fit & Minimum Premium

Best Fit

Manufacturers (except refineries): metal industry, chemical companies, food and beverages, ...

  • Retail and warehouse
  • Transport and logistics
  • Power and Utility
  • Waste management and disposal facilities
  • Construction projects and cover for contractors
  • Owners and developers

Minimum Premium

Maximum capacity of: € 50M, -
Size of account: we endorse large international companies to local SME's. The minimum premium is € 5.000, -

Services

Claims Handling

All environmental claims are handled by a dedicated unit local to the claim.  Environmental claims may present complex technical challenges and our claims unit is supported by trained professionals with specialized experience in environmental claims, with backgrounds in insurance, law, finance, and environmental engineering.  Our local claims team is supported by an internal consultant on the technical aspect of the claim and works along with the insured and his expert to find and apply the best remedial solution.

Claims Examples

Fire water

After a fire in a metal producing company there is an investigation. Research in the degree of contamination shows that the water discharge (from the fire) and extinguishing agents has an effect on the water treatment plant of the insured's business. The surrounding environment is also contaminated.

AIG's environmental liability insurance (Enviropo) provides cover for remediation, physical- and material damage caused by contamination during and after a fire such as toxic smoke and pollution by contaminated fire extinguishing water.

Gradual pollution on own property

During a compulsory soil investigation, is contamination of mineral oil detected as a result of a gradual leak in a underground fuel tank. Even though sudden and accidental leaks are immediately visible, a greater potential exposure can occur over a longer period of time.

AIG's environmental liability policy (Enviropro) covers gradual pollution, as well as sudden and accidental pollution.

IPID

Find here the Information Insurance Protection Documents

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