Site Pollution Liability
Site (premises) pollution liability covers pollution conditions originating at a fixed location you own or operate — yards, transfer stations, treatment facilities, and project sites — distinct from operations-based CPL.
Insurance for Fixed Sites & Facilities
Contractors pollution liability follows your *operations*; site pollution liability protects a *place*. If you own or operate a yard, a transfer station, a treatment or storage facility, a maintenance shop, or a long-term project site, contamination can originate there — from storage, fueling, equipment, or historical conditions — and create third-party and cleanup liability that an operations policy doesn't address.
What Site Pollution Covers
- New conditions — pollution that begins during your policy period at the covered location
- Pre-existing / historical conditions — unknown contamination already on site (by underwriting)
- On-site cleanup required by regulators
- Off-site migration — contamination that travels to neighboring property and groundwater
- Third-party bodily injury and property damage
- Legal defense for site-related pollution claims
Who Needs It
- Environmental contractors with yards, shops, and equipment storage
- Waste transfer, recycling, and treatment/storage facilities
- Owners and operators of project sites and brownfields
- Any fixed location where fuels, solvents, or waste are stored or handled
Pairs With Your CPL
Most environmental contractors need *both* CPL (for the pollution your crews cause out on jobs) and site pollution (for the locations you own or operate). We structure them together so there's no gap between "your work" and "your place" — and so a regulator-driven cleanup at your yard is covered, not argued.
Underwritten to Your Locations
Site pollution is underwritten location by location, with attention to historical use and existing conditions. We help you present your sites accurately and place coverage with environmental carriers that write premises pollution at the limits your lenders, landlords, and regulators require.
What's Covered
Frequently Asked Questions
CPL follows your operations — the pollution your crews cause on jobs. Site pollution protects a fixed location you own or operate (yard, facility, project site) against contamination that originates there. Most environmental contractors need both.
It can, by underwriting. Pre-existing/historical conditions may be covered when properly disclosed and underwritten. We help you present each location accurately so existing-conditions coverage holds up at claim time.