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Environmental insurance

environmental spill

What is Environmental Insurance?

Environmental Insurance, also known as pollution liability insurance, helps protect businesses from unexpected pollution exposures that may not be covered by standard casualty and property policies. It fills an important insurance coverage gap for contractors, as well as businesses in commercial real estate, financial institutions and many other industries.

Contaminated sites, whether on existing property or future building projects, can create losses and/or damages that might include claims for bodily injury, property damage and cleanup costs. Environmental Insurance can help businesses mitigate these risks and address problems when they occur.

This insurance product also helps companies at a time when environmental concerns are driving global debate and influencing how business is conducted. The way a business manages environmental issues can affect its profitability and reputation.

Why Zurich?

Zurich’s Environmental Insurance specialists can deliver effective, customizable solutions to address the variety and complexity of today’s environmental liability risks. We provide a complete suite of Environmental and Casualty coverage, including all Casualty lines that are underwritten by a single underwriter. Our expansive global capabilities can protect companies doing business around the world, and our team of knowledgeable Risk Engineers is ready to provide the guidance needed to promote efficiency and reliability when you need it most.

Zurich understands that every project has its own unique exposures and coverage needs. Our decades of experience, coupled with innovative risk forecasting, give us the resources to help a variety of businesses navigate this increasingly challenging landscape. We are committed to creating responsible solutions for your business’ future.



Global reach
With coverage in 35 countries and growing, Zurich’s International Pollution Liability programs can supply the knowledge, responsiveness and transparency required when doing business overseas.

Full breadth of coverage
Zurich’s suite of Environmental and Casualty products can help solve many of a business’ needs while delivering the streamlined efficiencies that come with a single insurance provider.

Local underwriting teams
More than 350 designated construction underwriters in over 40 offices across the U.S. and Canada deliver tailored, effective solutions.


curved building

Site-specific coverage

Before unused or contaminated sites can be put to productive use, environmental risks must be addressed. Zurich’s Z Choice® is a cost-efficient Environmental Liability Insurance solution that can be customized to projects as a business’ needs change. We can address site-specific areas, including:

  • Heavy industrial projects
  • Brownfield redevelopment
  • Commercial real estate
people at office table

Financial institutions

Zurich’s Lender Environmental Collateral Protection policy can address the specific challenges and needs of financial institutions, helping to protect their assets from environmental risks. Zurich’s tailored risk-transfer insurance solutions for financial institutions include:

  • Faster and easier loan processing
  • Better insurance protection from existing and new environmental exposures
  • Lower costs compared to traditional due-diligence methods
construction team discussing plans


As government regulation and consumer awareness of pollutants continue to grow, environmental liabilities also increase, leaving contractors open to costly and complex litigation. We can help contractors meet these emerging business risks. Our customers include:

  • General contractors working on commercial and industrial sites
  • Environmental contractors dealing with contaminated sites
  • Artisan contractors who are specialists in specific trades, such as plumbing, drywall, electricity, masonry and more
  • Energy, oil and gas field contractors
customer service

Environmental claims assistance

We developed the Zurich Environmental Emergency Response (ZEER), in collaboration with Spill Center, Inc., to help our Environmental customers deal with both the physical and financial aspects of a spill that requires emergency cleanup. Key benefits include:

  • 365/24/7 call center with access to crisis management assistance
  • Environmental contractors dispatched to clean up at the site
  • Access experienced ZEER coordinators
  • Mobile phone app for faster, easier incident reporting
  • Coordination of regulatory reporting
2 men discussing construction plans

Environmental consultants

Zurich has more than 1,000 construction professionals working collaboratively with our customers to deliver risk management solutions. Our environmental contractor practice is committed to providing innovative solutions that can help reduce costs, manage risk and provide superior coverage. Our extensive services include:

  • Contract management and education
  • Emergency cleanup and crisis response
  • Fleet management
  • Multinational exposure
  • Workforce injuries and safety


Related industry and insurance

2 men discussing construction plans





Financial institutions




Real estate