Environmental insurance

In practiceA fuel tank leaks and contaminates the soil, and this pays the cleanup that a general-liability policy would refuse.

Not coveredKnown, pre-existing contamination you didn't disclose is generally excluded.

In practiceA neighbour's property or health is harmed by a release from your site, and third-party coverage responds.

In practiceA spill happens while transporting product or at a work site, and transport and site liability responds.

In practiceYou face a pollution claim that goes to court, and legal-defence costs are covered even if no damages are awarded.

Not coveredFines and penalties are typically not covered, only cleanup and liability.