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Environmental Impairment Liability Program

Environmental Impairment Liability Program

FAQsQ: Will policy insure against first and third party claims?
A: Yes, our policy provides first and third-party coverage for pollution.
First Party: Discovery of Pollution Conditions on, at, under or migrating from a covered location.
Third Party: Loss resulting from a Pollution Condition on, at, under or migrating from a covered location and claim is made and maintained against the Certificate Holder.
Q: Will the carrier subrogate?
A: Yes the carrier can subrogate: Section V. Conditions. Item K. Subrogation states the Company shall be subrogated to all the Certificate Holder's rights of recovery against any person or organization.
Q: Are Punitive Damages Covered?
A: Yes. Punitive, exemplary, or multiplied damages are covered where allowable by law.
Q: Are limits shared with other group members?
A: No. There are no shared limits. Each insured have their own limits.
Q: Does each insured receive their own policy?
A: Yes, each individual receives a copy of the group policy, with their corresponding certificate. The Certificate, which looks like a declaration page, will display the name insured, address, policy period, limit of liability and a schedule of covered locations. Each Certificate holder has their own limits which are not impaired by claims presented by other certificate holders.
Q: If we have a pollutant escape from an underground storage tank that we were not aware of, will the policy provide coverage?
A: Coverage is afforded for both unknown and scheduled tanks. There is coverage for "phantom" tanks which are unknown to the Certificate Holder.
Q: Do all tanks qualify for this coverage?
A: Only tanks 20 years old and newer can be scheduled. However if the pollution is caused by an unknown tank, the policy will provide coverage, regardless of age. Age limitation is for KNOWN tanks only.




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