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At NORTH, you get innovative and value-adding insurance advice with a focus on the correct insurance coverage for your business, and our environmental liability specialists contribute their experience and knowledge in a highly complex insurance area.
The complexity of the commercial insurance market is constantly increasing. In particular, recent years have shown a global expansion of environmental legislation, and corporate boardroom agendas now have the environment, ESG and sustainability at the top of the agenda.
More restrictive legislation could mean that your company’s equity could take a hit if you haven’t addressed your environmental risks. Through The NORTH Way, we will help you analyze your insurance profile, assess your risks, recommend insurance solutions and monitor your business needs as they evolve.
That’s why, more than ever, you need an independent insurance broker with strong negotiating power to give you and your business a clear overview – and ensure you get the right coverages at the right prices. At NORTH, the independent broker is backed up by our specialist teams in a wide range of insurance products, including environmental liability.
We are experts in the details
In a complex and changing market the details are more important than ever. Even small differences in insurance terms can make a big difference to your business.
Our specialists are guaranteed to capture these details, which is why we can guide you and your business to choose the right, individual solutions, while giving you the understanding of your risk that is necessary to run a healthy business.
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Coverages
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General liability
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Property/building
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Motor liability
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Environmental Impairment liability
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Sudden and accidental pollution on third party property
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Covered
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Not covered
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Not covered
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Covered
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Gradual contamination from your own property with damaging effects on your own and third party property
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Not covered
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Covered*
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Not covered
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Covered
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Orders from authorities for e.g. investigation and clean-up
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Not covered
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Not covered
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Not covered
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Covered
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Damage to protected animal species and natural areas, cf. EU directive on biodiversity damage
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Not covered
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Not covered
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Not covered
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Covered
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Hazard mitigation costs for damage on your own property
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Not covered
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Not covered
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Not covered
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Covered
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Pollution caused by motor vehicles or their cargo where the policyholder is the carrier/responsible
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Not covered
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Not covered
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Covered**
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Covered
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* Covered, but only on your own property and only as a result of a covered loss, typically only with a limited sum insured available.
** Covered, but only for civil claims and only if in use as a motor vehicle
Our specialists have decades of experience and understand the needs of businesses for concrete advice on the big and small issues of everyday life.
There will undoubtedly be a need for sparring, dialog and concrete feedback, not least if the damage affects your company or if you receive a public law order from the municipality to investigate or clean up. How are you covered if your neighbor makes a claim for pollution damage caused gradually as part of your business operations?
Our specialists have many years of experience with both insurance companies and insurance brokers and therefore know the stakeholders in virtually all insurance companies and have in-depth knowledge and access to fast and competent partners, which helps your company to clarify the circumstances of a claim or uncover risks that may arise along the way, even outside the renewal period.
Our specialists within each insurance type ensure you get the right coverage at the most competitive price.
Contact Casualty Practice Leader, Maria Dige Nielsen,
for a no-obligation chat about environmental liability insurance.
Maria can be reached Mon – Fri 9 – 16.
Call +45 26 21 44 96
Write to [email protected]
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NORTH Risk A/S
Nørgaardsvej 32
2800 Lyngby
CVR: 42248789
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