Environmental

Zurich Integrated Products understands the types of environmental risks our customers face and can recommend liability insurance programs to address a firm's specialized risk profile. Our programs are tailored for businesses with revenues up to $25 million.

Products

Site-Specific Coverage using Z Choice™

Often a property may be impacted by actual or suspected pollution due to its past or current use or its location. Zurich’s Z Choice can be an effective risk management tool.

Z Choice offers a customizable format with the following key features:

• On-site or off-site coverage for cleanup costs
• On-site or off-site coverage for third-party bodily injury and property damage
• Natural resource damage coverage
• Scheduled non-owned or operated site coverage
• Transportation of materials coverage
• Additional Insured coverage
• Assignment of policy with our consent

Commercial General Liability and Site-Specific Pollution Liability using Z Link™

Z link integrates CGL insurance with site-specific pollution and other liability coverage (such as products pollution) into a single policy form. Z Link helps customers seamlessly combine CGL with customized environmental liability components to assist them in responding to their unique environmental needs. Z Link also helps reduce confusion that may result from multiple carriers and policies.

Z Link offers the following key features:

• Additional protection: complementing the CGL, the policy protects against environmental loss typically for a smaller incremental cost
• Ease of use: at a glance the declarations page quickly highlights coverages
• Flexibility: it is easy to add or delete optional pollution protection to the core BI, PD, off-site cleanup, and NRD coverages as the customer's needs change
• Cost efficiency: customers pay for the coverages they choose, whether it is time element coverage, or more robust coverage for both sudden and gradual pollution vents, non-owned locations, transportation liability or fungus/spore events. In addition, other coverage options include incidental contractor's pollution liability, first party on-site cleanup coverage, fines and penalties (where insurable by law), product recall, incidental professional liability and more.
• Customer service: one local point of contact and  dedicated claims specialists who have a proven track record of dealing with pollution events.
  

Contractor’s Pollution Liability (CPL)

Zurich’s CPL policy provides coverage for third-party claims filed against an insured contractor, alleging loss as a result of pollution events arising out of covered operations performed by or on behalf of the contractor at project sites. Coverage is available on a claims-made or occurrence type basis.

Common optional CPL enhancements include:

• Defense Outside the Limits
• Site-Specific Pollution Liability Coverage for Insured's Covered Locations
• Extended Completed Operations Coverage
• Fungus/Spore/Microbial Substance Coverage
• Non-Owned Locations – Onsite and Offsite Coverage
• Owner Controlled Insurance Policy (OCIP)
• Project Specific Limits of Liability
• Transportation of Materials by Carrier or Insured

Environmental Services Package Policy (ESP)

Zurich's ESP Policy is one-stop protection for contractors/consultants. It provides seamless coverage by combining elements of:

• Commercial General Liability coverage – occurrence-based
• Contractor's pollution liability for third-party claims caused by a pollution event arising out of covered operations performed by or on behalf of the insured at a project site.
• Professional liability coverage for acts, errors or omissions of the insured can be added to the policy on a claims-made basis.

Coverage highlights include:

• No exclusions for asbestos, lead, underground storage tanks, Superfund, or radioactive matter
• Optional coverage for professional liability
• Optional coverage for many CGL endorsements
• Optional coverage for pollution transportation, non-owned disposal sites, project-specific coverage when professional liability is included