Travelers environmental liability

insurance product and appetite guide

FOR TRAVELERS SURPLUS LINES BROKERS*
Travelers environmental liability insurance
product and appetite guide
Businesses face new and historical environmental exposures that can damage
lives, property and company reputations. Some are visible, like the chemicals
used in a manufacturing process, and some are hidden, like the leakage from
tanks that can contaminate a property. They can be sudden or gradually
occurring over time. No business today can risk being inadequately protected
against such environmental threats.

The Travelers Environmental Giving back...

Practice team
Because of the pollution …while protecting our clients, the Environmental Practice
liability exposures faced group has created a unique tradition that supports and
by so many of our clients,
enhances the ecosystem.
Travelers formed a highly skilled,
dedicated team of underwriters, For each new environmental liability policy written, a tree is
risk control consultants and
claim management experts.
purchased and planted in honor of both the agent and the
Together, we have designed Travelers Commercial General Liability account executive
pollution liability coverages who partnered with the Environmental Practice team for the
specifically to help protect
these clients.
total account solution. The trees are planted in sustainable
forests in the U.S.

Environmental liability risk is complex, and

you need solutions that are tailored to meet
your client’s unique needs in a timely manner.
Trust the reputation, experience and service
of Travelers Environmental Practice.
Interactive navigation
Travelers Construction
Why your clients Travelers Site
Contractors targeted business
To learn more, may need pollution Pollution Liability
Pollution Liability classes
click on any of liability insurance insurance
insurance
the modules.

Summary
Commercial
of pollution liability
Accounts and
exposures Contact us/
Technology Selling
submission
targeted business our differences Construction
requirements
classes
Commercial Accounts
and Technology

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 Why your clients Site Contractors
Contact us/
may need Pollution Pollution Selling
Home submission
pollution liability Liability Liability our differences
requirements
insurance insurance insurance

Why your clients may need pollution

liability insurance
Because Commercial General Liability (CGL) policies are designed for “general” liabilities,
even pollution coverage extensions added by endorsement may not sufficiently cover pollution
conditions which may occur at a business or construction job site. A pollution liability policy
helps prevent pollution losses from slipping through the gaps of a CGL policy, even one that has
a pollution coverage-broadening endorsement. At the same time, the dedicated limits of the
Site Pollution Liability policy or the Contractors Pollution Liability policy help protect the limits
of any applicable CGL policy from being exhausted due to a single pollution loss – allowing the
CGL policy limits to be available for the client’s general liabilities.
Examples of pollution sources can include:

• Storage materials
• Disturbance of unknown pre-existing
pollutants at the site
• Air emissions or contaminated water
releases
• Ruptured tanks or underground utilities
• Storm-water runoff
• Unknown activities of previous site owners
• Spills or releases of materials at or from
the site
• Releases during catastrophes

At Travelers, we are continually monitoring, anticipating and reacting to changing conditions. We believe that
our specialized Environmental Practice serves an integral role by offering pollution liability policies that help
businesses manage environmental risks. Experienced account executives, loss prevention professionals and
claim specialists help identify exposures, design pollution liability insurance programs and provide protection
for both our insureds and the environment. Together with our insureds, we are showing that we are aware of
these challenges, concerned about the consequences and prepared to help businesses address them.

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 Why your clients Site Contractors
Contact us/
may need Pollution Pollution Selling
Home submission
pollution liability Liability Liability our differences
requirements
insurance insurance insurance

Travelers Site Pollution Liability insurance

Environmental risks may pose serious
unexpected challenges. Travelers Site Pollution
Liability insurance provides coverage for bodily
injury, property damage and pollution clean-up
costs from pollution conditions that occur at or
from the insured’s designated site.
Travelers Site Pollution Liability insurance is designed to help
• Protect assets from unforeseen risks that could have a substantial • Facilitate property transactions, and help secure financing
impact on earnings • Assist in mergers and acquisitions by separating the unknown
• Protect against natural catastrophes beyond the standard property environmental risk from the business risk
exposures that typically are already insured

Coverage highlights
• Dedicated policy/dedicated limits
• Coverage applies to designated sites, whether owned or leased
• Coverage for sudden and gradual conditions, no 72-hour or other
short-term duration or reporting requirement
• In most cases, no retroactive date applies and coverage can apply
to historical and current conditions
• Third-party bodily injury/property damage/pollution clean-up costs
coverage
• Pollution clean-up costs coverage applies without requirement of
concurrent bodily injury or property damage
• Discovery-based trigger for on-site pollution clean-up costs coverage
• No force majeure exclusion
• Defense/legal expense coverage for pollution clean-up costs as well
as for bodily injury and property damage
• Property damage includes physical damage to and diminution in
value of tangible property
• Natural resources damages included in the definition of property
damage
• Pay-on-behalf-of coverage
• Punitive damages covered where allowed by law

Optional coverage enhancements available by endorsement

• Non-owned disposal sites • Business interruption for on-site pollution clean-up costs losses
• Transportation of materials to/from site • Designation operations for pollution conditions not at or from
• Designated underground storage tanks designated owned or rented site

• Low-level radioactive waste

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 Why your clients Site Contractors
Contact us/
may need Pollution Pollution Selling
Home submission
pollution liability Liability Liability our differences
requirements
insurance insurance insurance

Travelers Contractors
Pollution Liability insurance
Contractors face pollution risks on the job site
daily. Travelers Contractors Pollution Liability
insurance provides coverage for bodily injury,
property damage or pollution clean-up costs
as a result of pollution conditions for which
the contractor may be held responsible. This
can include a discharge of pollutants brought
to the work site, a release of pre-existing
pollutants at the site or other pollution
conditions, due to the performance of the
contractor’s covered operations.
Coverage highlights
• Dedicated policy/dedicated limits • Completed operations coverage
• Claims-made or occurrence-based coverage available • Covered operations include work performed by named insured’s
• Operations may be covered on a “blanket” basis or by project subcontractor

• Bodily injury/property damage/pollution clean-up costs coverage

• Innocent insured wording – exception to conduct-based exclusions

• Coverage for sudden and gradual conditions, no 72-hour or other

• Property damage includes physical damage to and diminution in value
short-term duration or reporting requirement for liability coverage of tangible property

• Pollution clean-up costs coverage applies without requirement of

• Natural resource damages included in the definition of property damage
concurrent bodily injury or property damage • Worldwide coverage territory includes claims or suits outside the U.S.
• Emergency response costs coverage for on-site pollution clean up or Canada

• No force majeure exclusion

• Pay-on-behalf-of coverage

• Automatic additional insured coverage if required by named insured’s

• Punitive damages covered where allowed by law
written contract • Auto coverage included for owned autos operated at the job site

Optional coverage enhancements available by endorsement

• Non-owned disposal sites • Low-level radioactive waste
• Auto transportation of materials to/from site
Indications available for contract/bid requirements
• Mold (fungi/bacteria)

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 Why your clients Site Contractors
Contact us/
may need Pollution Pollution Selling
Home submission
pollution liability Liability Liability our differences
requirements
insurance insurance insurance

Selling our differences

Travelers Environmental Practice provides the coverages your Travelers
Commercial General Liability (CGL) clients need to help protect themselves
from the exposures they face every day without risking the erosion of their
CGL policy limits. Travelers structured the Contractors Pollution Liability (CPL)
policy to work hand-in-hand with the CGL policy, filling coverage gaps while
maintaining consistency with CGL policy wording. Options for additional
endorsed coverage enhancements allow customization to meet clients’
specialized needs.
The Travelers Client AdvantageSM
The Travelers Client Advantage provides layers of services beyond The strength of Travelers
the policy that help mitigate losses and deliver prompt, fair claim In business more than 160 years, Travelers is a component of the
resolution when a loss does occur. Dow Jones Industrial Average and an industry leader in insurance.
We consistently receive high ratings for financial strength and
Integrated loss-prevention solutions
claims-paying ability from independent rating services, including
Environmental risk control assessment often can be scheduled in a
• A.M. Best, Moody’s and Standard & Poor’s. Our financial strength
single visit, at the same time as the Commercial General Liability risk allows us to give you a long-term commitment to support your
control assessment business needs.
Risk control representatives are located countrywide. They understand
•

your client’s environmental risks, and work one-on-one to reduce the

risk of loss
Practical and prioritized recommended actions based on risk
•

assessment findings

Policy services
Efficient, timely delivery of policy documents, including endorsements
•

Superior claim service and resolution

Claim centers across the country ensure clients work with a Travelers
•

professional, not a third party; available 24/7

Prompt and fair claim resolutions by dedicated specialists help improve
•

environmental loss outcomes

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 Why your clients Site Contractors
Contact us/
may need Pollution Pollution Selling
Home submission
pollution liability Liability Liability our differences
requirements
insurance insurance insurance

Submission requirements
• Signed and completed Travelers Pollution Liability application and required attachments
• Existing Travelers Commercial General Liability client

To reach a Travelers Environmental Specialist, call 866.787.2857,

or SDAGENT@travelers.com for submissions or other contacts.

Travelers Indemnity Company and its property casualty affiliates

One Tower Square, Hartford, CT 06183
travelers.com/environmental
* This document is intended for surplus lines brokers only. It is provided for general information purposes and does not constitute an offer to sell or a solicitation. Coverage is
underwritten by St. Paul Surplus Lines Insurance Company, a U.S. based surplus lines insurer. Surplus lines insurers do not participate in state guaranty funds and thus insureds
are not protected by such funds. State law requires this document to include notification that St. Paul Surplus Lines Insurance Company is not licensed in California or New York.
Advertising of surplus lines products may be restricted by state law; surplus lines brokers are responsible for compliance with all such laws.
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or
does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or
bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
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