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USA Products

Environmental Insurance

Ironshore Environmental® products insure companies of all types against the adverse financial impact of environmental incidents and liabilities.

Provided by one of the industry's most experienced underwriting management teams, this suite of environmental insurance products offered by Ironshore gives policyholders access to unmatched expertise on the spectrum of issues involved in managing environmental risks, from responsive claims assistance, engineering and construction, to terrorism, crisis management and incident response. Ingrained underwriting and claims collaboration facilitates cost-effective resolution to policyholder losses and is central to the overriding mission of Ironshore: delivering on promises to policyholders.


Contractors Environmental Legal Liability (CELL)

The CELL policy provides occurrence pollution insurance liability (including mold with occurrence trigger) coverage for pollution incidents arising out of the operations of contractors and consultants including:

  • Third Party Bodily Injury, Property Damage and Cleanup arising from a Pollution Incident
  • Pollution Incidents from Transported Cargo
  • Blanket Non-Owned Location Pollution Liability coverage including Clean-up Costs
  • Blanket Time-Element Site Pollution coverage for owned and operated facilities including Clean-up Costs
  • Emergency Response Expenses (No sublimit)
  • Defense outside the limits and not subject to the deductible
  • Occurrence Coverage Trigger for all coverages
  • Broad definition of pollutants including mold and legionella
  • Practice, Project Specific, Owner Controlled or Contractor Controlled Insurance Programs
  • Limits up to $30M
Environmental Protection Insurance Coverage Package (EPIC PAC)

EPIC Pac provides a unique combination of General Liability, Contractors Pollution Liability, Site Pollution Liability and Professional Liability. EPIC Pac provides comprehensive environmental insurance to protect the vast majority of manufacturing and distribution companies, fixed site facility operators, as well as those involved in environmental contracting or consulting operations.

  • Combination Commercial General Liability and Pollution Liability
  • Time Element Site Pollution coverage for Bodily Injury and Property Damage
  • Contractors Pollution Liability
  • Pollution Incidents from Transported Cargo
  • Blanket Non-Owned Location Site Pollution - Bodily Injury, Property Damage and Clean-up coverage
  • Emergency Response Expenses
  • Products Pollution
  • Broad definition of pollutants to include mold and legionella
  • Broad Named Insured and Additional Insured for both General Liability and Pollution Liability
  • Optional Site Pollution Incident Legal Liability including First and Third
  • Party On-site Clean-up; Third Party Off-Site Clean-up and Third Party
  • Bodily Injury and Property Damage of new and pre-existing conditions
  • Optional Professional Liability for Environmental Consultants
  • Limits up to $30M
Excess Coverage

Follow Form over approved General Liability, Pollution Liability and Environmental Professional Liability combination insurance programs. Follow Form over approved Automobile and Employer's Liability.

  • Follow Form over Ironshore Environmental or other approved insurers with a rating of A- or better
  • Follow Form Coverage for Contractors Pollution, Fixed Site Pollution Legal Liability and Environmental Professional Liability
  • Follow Form over the EPIC Pac, Automobile and Employer's Liability
  • Follow Form over approved General Liability, Pollution Insurance Liability and Environmental Professional Liability combination insurance programs
  • Limits available up to $30M
Site Pollution Incident Legal Liability Select (SPILLS)

The menu driven SPILLS policy provides coverage, written on a claims-made basis, including:

  • First & Third Party Remediation Expenses of Pollutants on, under or migrating from a Covered Property
  • Third Party Bodily Injury and Property Damage, including Natural Resource Damages
  • Emergency Response Expenses (without a sublimit)
  • Coverage for Pollution Incidents resulting from First and Third Party Transportation
  • Blanket Coverage for Waste Disposal Activities
  • Business Interruption
  • Broad definition of Pollutants including mold and legionella
  • Multi-year terms available
  • Limits up to $30M
Site Pollution Incident Legal Liability Select (SPILLS) Education

Ironshore SPILLS Education is a comprehensive environmental insurance policy that assists schools in managing their environmental exposures in an affordable manner. Target classes of business include public and private (K-12) schools, colleges, universities and other educational facilities. Some exposures include mold, contaminated drinking water, PCB containing materials, Legionella and carbon monoxide.

  • Limits up to $30M
Site Pollution Incident Legal Liability Select (SPILLS) Healthcare

Ironshore SPILLS Healthcare is a comprehensive environmental insurance policy that assists healthcare facilities in managing their environmental exposures in a cost-efficient manner. Target classes of business include hospitals, assisted living facilities, skilled nursing facilities, hospice services and other medical facilities.

  • Limits available from $1M up to $30M
Site Pollution Incident Legal Liability Select (SPILLS) Hospitality

Ironshore SPILLS Hospitality is a comprehensive pollution insurance policy that helps hospitality and leisure facilities manage their environmental exposures in an economical manner. Target classes of business include hotels, motels, resorts, cruise ships and other hospitality and leisure facilities.

  • Limits available from $1M up to $30M
Site Pollution Incident Legal Liability Select (SPILLS) Oil & Gas

Ironshore SPILLS Oil & Gas is a comprehensive environmental insurance program that assists upstream and midstream oil & gas companies by managing their environmental exposures while providing valuable coverage rarely included in their standard insurance programs. Coverage in the U.S. is available for crude oil and natural gas wells, pipelines, compressor stations, processing facilities and storage facilities for both operators and non-operators, including concerns related to hydraulic fracturing.

  • Limits up to $30M
Ironshore Vacancy Assure

Designed to address risk exposures unique to properties with low occupancy rates. The program offering also encompasses Environmental coverage.

  • Property limits of up to $25 million
  • Environmental coverage for up to $10 million to protect against traditional environmental exposures and mold
Marketing Material

Claims Experience

When I was representing my client in search of insurance, part of the Ironshore presentation was about their claims capabilities and claims department structure (claims sits with underwriting), which was impressive and different, more impressive however was that after we placed the insurance with Ironshore and had a claim, they were responsive and have done everything that they said they would do during the sales pitch. We are close to resolution on this particular claim. The promises kept and the excellent service to date is the best demonstration that the client and I placed the insurance with the right company.
- Michael L. Owens Vice President, Willis of Louisiana