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Business Insurance

Pollution Liability Insurance

Essential for any business storing fuel, chemicals, or other contamination-prone materials, covering cleanup and regulatory costs that standard policies specifically exclude.

Get a quote for Pollution Liability

What it covers

  • Soil and groundwater contamination cleanup costs
  • Regulatory fines related to a covered pollution event
  • Third-party bodily injury or property damage from contamination
  • Legal defense costs for pollution-related claims
  • Coverage for both sudden events and gradual, undetected leaks

What it doesn't cover

  • Pollution from known, pre-existing contamination not disclosed at policy inception
  • Intentional violations of environmental law
  • Fines unrelated to an actual pollution event
  • General property damage unrelated to contamination (that's Commercial Property)

Who needs this

Gas stations, auto shops, dry cleaners, manufacturers, and any business storing or handling fuel, chemicals, or other materials with contamination potential.

From our horror stories

The Underground Tank Nobody Tested

A gas station's decades-old underground fuel tank develops a slow leak, contaminating soil that takes years and a small fortune to remediate.

Read the full story →
Common questions

Pollution Liability FAQ

Why isn't this covered by general liability?

General liability and commercial property policies both specifically exclude pollution and contamination, treating it as a distinct risk category with its own regulatory complexity.

Does this cover gradual leaks, not just sudden spills?

Yes, most pollution liability policies cover both sudden events and slow, undetected contamination, which is often the more expensive scenario.

What businesses actually need this?

Anywhere fuel, chemicals, or similar materials are stored or handled, including gas stations, auto shops, dry cleaners, and light manufacturing.

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