The Crucial Role of Pollution Liability Coverage for Commercial Real Estate Insurance

The Crucial Role of Pollution Liability Coverage for Commercial Real Estate Insurance

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commercial real estate insurance

Also known as environmental liability insurance, pollution coverage plays a pivotal role in a comprehensive commercial real estate insurance plan. While you may instantly think of known-risk industries like mining, manufacturing, and energy production, this type of coverage can be invaluable to a wide variety of businesses. This is particularly true as our understanding of human effects on the environment continues to evolve–today’s due diligence could become tomorrow’s gross negligence. Pollution liability coverage is designed to protect businesses for the present and into the future.


How Does Environmental Liability Insurance Work?


Traditional business insurance policies frequently do not provide coverage for environmental and pollution issues, making it crucial for operators to select insurance tailored to their particular industry. Some of the types of coverage that may be included in an overall risk management plan include:



In addition to obvious industry risks, many unexpected businesses can benefit from a custom coverage plan for pollution-related liabilities:


  • Hotels and motels
  • Golf courses
  • Hospitals and clinics
  • Food processors
  • Dry cleaners


An Overlooked Policy Protection


Commercial real estate insurance that provides pollution coverage is particularly important for commercial owners, since they can be held liable for toxic substances stored on site as well as indoor air quality risks like mold, asbestos, and lead. Getting a comprehensive plan can help to protect you against the hidden risks as well as the obvious ones.



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