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Environmental Impairment Insurance from AIG UAE

Why Choose AIG for Environmental Impairment?

Clients in every industry are subject to environmental risk and liability, making the need for a versatile pollution insurance programme, essential in managing their exposures.

Our environmental insurance products are designed to provide our clients with the broad coverage they need to adequately protect their business from the continuously changing environmental landscape.

The AIG Advantage

Local Expertise

A specialised, dedicated team based in GCC & North Africa with expertise in multinational, construction, real estate, energy and more. We have the added benefit of being able to draw upon our international network of over 30 underwriters across more than 20 countries.

Dedicated Claims Team

Our clients and brokers are supported by a dedicated Environmental claims team. Experts in their field, they can handle all types of claims, from the smallest through to the most complex and major risks.

Multinational Capabilities

With tremendous multinational expertise in our local office and decades of experience in providing fully compliant global Environmental programmes for clients through our worldwide network, multinational is an exceptional area for growth.

AIG Environmental Impairment Solutions

Contractors Pollution Liability (CPL) provides comprehensive protection for contractors, site owners and developers against pollution releases, whether sudden & accidental or gradual, caused by new pollution conditions or the exacerbation of existing pollution conditions.

Features & Benefits

  • Contractor’s operations cover: Covers contractor’s operations performed at a job site by the Insured or others for whom the Insured is legally obligated.
  • Environmental Damage Regulation 2009 (EDR): our insurance provides cover for provisions of the EDR including ‘biodiversity’, complementary and compensatory remediation, defence and mitigation costs.
  • Sudden and accidental and gradual pollution: our environmental policies do not distinguish between sudden & accidental and gradual pollution.
  • Changing legal environment: Policies cover changes in legislation to keep up with rapidly evolving legislation
  • One environmental coverage: For complex risks and to meet contractual requirements, AIG takes a flexible approach to ensure the client’s needs are met.   
  • Worldwide Capabilities: Access to local Environmental underwriting expertise and the ability to  underwrite in local language
  • Multiyear policy terms available: Multi-year options in order to include project under one policy
  • Claims made or occurrence: Claims made or occurrence worded policy terms available
  • Flexible solutions: Blanket and/or specific project coverage

Covers

  • Contractor operations cover
  • Clean up costs
  • Biodiversity Damage
  • Third party bodily injury and property damage
  • Legal costs
  • Nuisance claims

The PLL select policy is designed to be tailored to a specific business. The policy covers the provisions of the Environmental Damage Regulation 2009, including liability for damage to biodiversity and other new requirements such as complementary and compensatory remediation resulting from the covered operations. This policy is particularly valuable in property or company transactions or other situations where pre-existing pollution liabilities might arise.

Features & Benefits

  • Day-to-day and historical pollution: Our PLL policy can address unknown historical pollution caused before the policy commenced. The UK has over 200 years of industrial history and the environment agency estimates there are over 325,000 historically contaminated sites in England and Wales, if your business is occupying the old industrial land today, the liability could pass to you if the original polluters cannot be found
  • Environmental Damage Regulation 2009 (EDR): Our PLL provides cover for provisions of the EDR including ‘biodiversity’, complementary and compensatory remediation, defence and mitigation costs
  • Sudden and accidental and gradual pollution: Our environmental policies do not distinguish between sudden & accidental and gradual pollution
  • Changing legal environment: Policies cover changes in legislation to keep up with rapidly evolving legislation
  • One environmental coverage: For complex risks and to meet contractual requirements, AIG takes a flexible approach to ensure the client’s needs are met
  • Non pollution environmental damage: Cover may extend beyond pollution to cover other types of environmental damage, even if pollution is not the cause
  • Insured properties: Can accommodate site specific or portfolio
  • Worldwide Capabilities: Access to local Environmental underwriting expertise and the ability to underwrite in local language
  • Flexible solutions: Solutions from traditional to high deductible to captives and beyond

Covers

  • Clean-Up Costs
  • Biodiversity Damage 
  • Business interruption expense
  • Third party bodily injury and property damage
  • Legal costs
  • Third Party Nuisance Claims
  • Transportation

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