Pollution Legal Liability
Coverage Excludes Claims Related to Environmental Damage and Pollution Incidents.
Pollution Legal Liability Insurance is essential for businesses in industries like chemicals, petrochemicals, energy, and construction that face environmental risks. This policy safeguards against the costs of cleanup, bodily injury, property damage, and transportation-related liabilities. With rising environmental regulations, it helps companies manage the risks of non-compliance and legal exposure.
Key Benefits
- Covers cleanup costs related to environmental contamination.
- Protects against bodily injury and property damage claims.
- Shields against transportation-related environmental liabilities.
- Flexible, modular coverage to tailor to specific environmental risks.
- Helps comply with evolving environmental legislation.
Health Cover Up
to ₹50 Lacs
What is Pollution Legal Liability?
Pollution Legal Liability Insurance protects businesses from environmental risks, covering cleanup, bodily injury, property damage, and transportation-related liabilities, especially for industries with strict environmental regulations.
Why do you need Pollution Legal Liability?
Risk Mitigation
Reduces the financial impact of environmental liabilities.
Legal Protection
Protects against legal costs & claims from pollution incidents.
Regulatory Compliance
Ensures compliance with changing environmental laws and regulations.
Reputation Management
Protects your company's reputation by managing environmental risks.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Pollution Legal Liability cover and exclude?
Plan Coverage
Sudden and Gradual Pollution
Covers both sudden and gradual pollution conditions without distinction.
Onsite Cleanup Costs
Includes coverage for environmental cleanup costs at the business site.
Offsite Cleanup Costs
Covers costs related to cleanup at offsite locations affected by pollution.
Bodily Injury Claims
Provides coverage for bodily injury claims resulting from pollution exposure.
Property Damage Claims
Protects against property damage claims arising from pollution-related incidents.
Pre-existing Conditions
Covers losses stemming from pollution conditions that existed before the policy.
Transportation-related Pollution
Extends coverage to pollution resulting from the transportation of goods.
Non-owned Disposal Site Liabilities
Includes coverage for environmental liabilities from non-owned disposal sites.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Asbestos and Lead
Excludes coverage for pollution specifically related to asbestos and lead.
Terrorism
Does not cover pollution incidents specifically caused by acts of terrorism or extremist actions.
War
Excludes coverage for pollution specifically arising from acts of war or military conflicts.
Prior Knowledge
No coverage if the insured had prior knowledge of the pollution condition.
Intentional Pollution
Excludes coverage for pollution intentionally and deliberately caused by the insured.
Regulatory Penalties
Does not cover fines, penalties, or sanctions imposed by regulatory authorities.
Contractual Liabilities
Excludes pollution liabilities arising from specific contractual obligations or agreements.
Nuclear Incidents
Does not cover pollution specifically related to nuclear incidents or radiation exposure.
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Pollution Legal Liability Policy can be registered in the below circumstances:
- If a pollution incident results in environmental damage or contamination.
- When facing bodily injury or property damage due to environmental exposure.
- If the company is held legally liable for pollution during site operations or transportation.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
