Environmental Risk Insurance
Environmental Risk Insurance
Environmental Risk Insurance protects businesses from the financial consequences of pollution-related events including accidental spills, contamination, hazardous waste exposure, or regulatory breaches. It covers clean-up costs, third-party claims for bodily injury or property damage, legal defence expenses, and government-mandated remediation.
This type of insurance is essential for industries such as manufacturing, waste management, construction, agriculture, mining, transport, and fuel storage. Environmental risks can be sudden or gradual, and traditional property or liability insurance often excludes pollution events.
At Angelic Insurance, we help Australian businesses assess their environmental exposure and compare specialised insurance solutions. Our brokers provide general advice to help ensure regulatory compliance and financial protection in the event of an environmental incident.
How It Works
We help businesses structure coverage to address both regulatory risk and third-party liability related to pollution events.
Share your operations and site risks
We review your industry, facility types, hazardous materials handled, and past environmental controls to assess exposure.
Identify environmental threats
We consider your risk of spills, air or water contamination, waste storage, and impact on third-party land or water sources.
Compare specialist policies
We assess insurers that offer environmental impairment liability, contractors pollution liability, and site-specific policies.
Choose coverage structure
You may select sudden and accidental cover, gradual pollution cover, or combined protection for multiple sites or projects.
Environmental Risk Review
We assess your industry, processes, materials handled, and site history.
Tailored Policy Structuring
Policy is designed based on your exposure type—sudden, gradual, known contamination, or remediation liabilities.
Cover Activation
Includes cover for current operations, past pollution (retroactive), and future projects.
Incident Response & Claim Management
If an environmental incident occurs, Angelic coordinates clean-up, regulatory reporting, legal defence, and stakeholder communication.
Activate your cover
Once approved, we issue documentation, including Certificates of Currency or proof of cover required for government approvals or permits.
Ongoing support for audits and claims
We assist with annual renewals, reporting, and guidance during any environmental incident or claim.
Why You Need It?
Environmental incidents can trigger major financial, legal, and reputational consequences especially when remediation is mandated by regulators.
Covers pollution clean-up costs
Whether caused by a chemical spill or fuel leak, insurance helps fund remediation, site testing, and environmental repair.
Defends against third-party claims
If neighbouring land or water is impacted by your operations, cover extends to property damage or personal injury lawsuits.
Helps meet regulatory obligations
Many projects and facility licenses require environmental liability cover to operate legally.
Includes gradual pollution risks
Unlike most general liability policies, this cover can extend to slow-developing contamination over time.
Safeguards business continuity
Without insurance, a pollution event could shut down operations and drain cash reserves for months or years.
How Angelic Insurance Can Help?
We work with businesses of all sizes to structure protection for environmental risks helping you operate responsibly and with confidence.
Access leading environmental insurers
We compare cover from insurers that specialise in pollution and environmental risk, including local and international markets.
Support site-specific and project cover
We arrange policies for permanent facilities, temporary projects, demolition, land development, and hazardous site work.
Assist with permit and lender compliance
We help meet local council, EPA, and financial institution requirements with tailored policy structures and fast documentation.
Help manage complex risks
Whether your risk stems from chemical use, fuel storage, or run-off, we advise on suitable limits and coverage options.
Guide you through claims
We support you through environmental audits, remediation requests, and claims for third-party impact or fines.
Challenges Businesses Face Without Environmental Risk Insurance
Pollution exclusions in general liability insurance can leave you unprotected against significant environmental exposures.
Major clean-up expenses
Spill remediation can cost tens or hundreds of thousands especially when soil, groundwater, or local waterways are affected.
Legal liability for third-party damage
Neighbours or the public may sue your business for environmental harm, health impacts, or reduced land value.
Regulatory investigations and fines
Environmental authorities can demand testing, remediation, and impose penalties if you cannot respond quickly.
Project delays or shutdown
Without proof of coverage, your permits may be delayed or revoked, halting construction or operational activities.
Damage to brand reputation
A public pollution incident can hurt your image and result in negative media, stakeholder concerns, and lost business.
Case Studies: How Environmental Risk Insurance Helped Real Businesses
Activate your cover
Once approved, we issue documentation, including Certificates of Currency or proof of cover required for government approvals or permits.
Developer Uncovers Soil Contamination
A property developer uncovered contaminated soil on a former industrial site during excavation. Angelic Insurance provided: $220,000 for site remediation Delay cost coverage under project interruption extension Risk consulting for future development approval 📝 Result: Project stayed within budget, with no compliance failures.
Case 1 – Diesel spill at construction site
A transport contractor accidentally spilled diesel into a stormwater drain. The client’s broker arranged the policy paid $42,000 in clean-up and environmental testing costs.
Case 2 – Contaminated runoff from factory
A regional manufacturing site discharged contaminated water into nearby land. The policy covered remediation and $75,000 in third-party claims from neighbouring farms.
Case 3 – Asbestos exposure during demolition
A builder accidentally released asbestos fibres during a demolition project. The insurer funded containment, remediation, and $28,000 in legal defence costs.
Case 4 – Gradual leak from underground tank
A petrol station experienced a slow leak from an underground storage tank. The insurer covered $110,000 in soil removal, testing, and replacement works.
Frequently Asked Questions
Angelic Insights
