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Find Environmental Liability Insurance Lawyer

Find Environmental Liability Insurance Lawyer

Environmental Liability Insurance

Businesses have a number of angles they have to cover in order to be sure that they aren’t caught off-guard by an unforeseen incident. This includes premises liability, employee insurance, workers compensation insurance, and a number of industry-specific liability policies. One increasingly important area of coverage is environmental liability insurance.


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Haahr Law Group

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17 years in practice
Insurance Law
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Pekar Law, P.A.

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10 years in practice
Insurance Law
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Law Firm of Loree & Lipscomb

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12 years in practice
Divorce & Family Law, Insurance Law, Personal Injury
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Law Offices of Felipe E. Diez, P.A.

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19 years in practice
Insurance Law, Personal Injury, Wrongful Death
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Clint & Company, P.A.

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4 years in practice
Insurance Law
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The Law Office of Craig A. Blumberg

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32 years in practice
Insurance Law
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Protecting From The Unexpected

Homeowners insurance plans come in a variety of plans with varying levels of damage protection and deductibles. Homeowners insurance generally covers damage to the property, assets within the property, and property-related injuries though there are some coverage exceptions.

Property Damage

One of the most obvious areas of coverage under a homeowners insurance policy is damage to the home itself. This can include damage to the interior as well as the exterior and can refer to incidental damage such as a tree falling on the house or systemic damage such as the kind caused by a burst pipe.

Asset Loss or Damage

In addition to protecting the integrity of a property, homeowners insurance also seeks to protect assets within the home. Similar to property damage, asset loss or damage is covered by either natural events, such as a hurricane, as well as limited protection from criminal activity such as theft.

Property-Related Injury

Homeowners insurance doesn’t just protect against damage or theft, it also can offer compensation for injuries that occur on the property. Homeowners insurance covers two main categories: medical expenses and liability. If a qualifying injury occurs on a property with insurance, the insurance may cover the medical expenses or liability that arise.

Homeowners Insurance Exceptions

While homeowners insurance can be extremely helpful in the event of an incident, not all incidents are covered under a standard homeowners insurance policy. The first major exception to a homeowners policy is usually incidents classified as “acts of god.” Acts of god are any sudden, unpredictable, and damaging incident that could not reasonably be foreseen and expect to be paid for. A major type of “act of god” incident that requires a separate type of insurance is flooding. Floods are not covered by standard insurance policies and must be purchased and maintained separately.

Ensuring Coverage Amid Complexities

If you are seeking to navigate the complexities of environmental liability insurance, you will need the help of an experienced insurance law attorney. An insurance law attorney is able to focus completely on your case, zealously advocate for your interests, and get you the best possible outcome.

In order to achieve this best outcome, however, you will need an attorney who has the expertise and resources to take your case all the way. That’s why you should contact Attorney at Law. By partnering with AAL, you will be able to avoid slogging through the quagmire of unscrupulous lawyers looking to exploit your case.

At AAL, we only partner with the best firms in your area, helping you find the best attorney for your case. Don’t wait, contact AAL today to be matched with skilled and experienced attorneys in your area who practice insurance law.

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Environmental Liability Insurance Frequently Asked Questions

1. What is environmental liability insurance and why is it important for businesses?

Environmental liability insurance is a type of insurance policy that protects businesses from the consequences of a major ecological incident. Any business that could potentially cause mass pollution or biodiversity damage should consider environmental liability insurance to avoid severe economic consequences in the event that they are found liable for a major incident. 

2. What types of environmental risks are typically covered under an environmental liability insurance policy?

In general, there are two types of environmental liability insurance coverage: ecological coverage and injury coverage. Ecological coverage handles incidents such as pollutant releases, biodiversity damage, and other wide-ranging liability areas. By contrast, injury coverage handles claims of individual or mass injury as a result of an ecological incident. 

3. How does environmental liability insurance differ from general liability insurance?

Environmental liability insurance specifically exists to cover incidents that impact the wider ecology of an area. Common coverage areas for environmental insurance are more widely impacting events than standard liability insurance such as biodiversity damage or pollutant releases. These areas are often excluded from standard liability coverage, leading to the need for environmental liability insurance policies.

4. What factors are considered when determining the premiums for environmental liability insurance?

There are no standardized policies when it comes to environmental liability insurance. In general, the more comprehensive a plan is, the more expensive it will be. Other factors that may increase the price of an environmental liability plan include the number of sites a company has to cover, the amount of pollutants a company handles or produces, and the presence of past environmental incidents that the company has been found liable for.

5. What are the potential consequences of not having environmental liability insurance for businesses?

If a business does not have environmental liability insurance and an environmental incident occurs, they may be on the hook for the full amount of the damages if they are found liable. As with any insurance policy, environmental liability insurance seeks to blunt the impact of a finding of liability for a major incident. 

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