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Claim Scenarios

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When discussing environmental insurance with your client, it is often helpful to have specific examples of situations where the coverage has been used and, in many cases, has prevented a catastrophic financial loss to the company. Please feel free to use any of the real-life environmental insurance claim scenarios we have provided for you below.

Environmental Consultants Claim Scenarios

The following are some pollution claims involving environmental consultants. An environmental consultant provided plans and specifications for the installation of monitoring wells at a contaminated facility.

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General Contractor Insurance Claim Scenarios

The following are some pollution claims involving general contractors.  While performing building renovations, a general contractor used gas powered generators and equipment.

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Contractors Pollution Liability (CPL) Claim Scenarios

The following are some pollution & professional claims for contractors. A family-operated gas station hired a UST contractor to remove two underground storage tanks and associated contaminated soil. 

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Storage Tank Insurance Claim Scenarios

The following are some pollution claims involving storage tanks. For more claims and exposure information, please contact us. A diesel fuel tank system’s piping released a substantial amount of fuel into soil.

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Sites & Facilities Claim Scenarios

The following are some pollution claims involving sites & facilities. For more claims and exposure information, please contact us. A manufacturer began expansion of a production line area. During excavation, oily soils with a petroleum odor were discovered. 

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Products Pollution Insurance Claim Scenarios

The following are some pollution claims resulting from product failures. For more claims and exposure information, please contact us. A small distributor of silicone sealer was named in a suit alleging that fumes from the sealer had entered the soil.

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Packaged Environmental Insurance Claims Scenarios

The following are some pollution claims involving environmental contractors and consultants. An environmental consultant provided plans and specifications for the installation of monitoring wells at a contaminated facility.

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Non-Environmental Contractor Claim Scenarios

The following are some professional claims for non-environmental contractors. A contractor designed and installed mechanical, electrical, plumbing (MEP) and fire sprinkler systems on a hotel project.

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Mold Insurance Claim Scenarios

The following are some pollution claims involving mold. A mechanical contractor installed a heating, ventilation, and air conditioning system in a new commercial office building.

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Environmental Contractor Claim Scenarios

The following are some professional claims for environmental contractors. An environmental consultant performed a Phase I Site Assessment at a site that had been used previously for industrial purposes. 

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Asbestos Claim Scenarios

Sample environmental insurance claims against asbestos abatement contractors include: Two employees of a gas/electric company and their asbestos removal contractors were charged with violating safety standards while removing asbestos from pipes in California.

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Claim Scenarios Involving Contractors and Indoor Air Quality

Most Indoor Air Quality (IAQ) concerns center around materials brought into a building, components of the building itself, or operations taking place there. Even when a structure is thought to be managed properly, any spill, failure

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