Pollution Legal Liability (PLL) Insurance: Cost & Quotes From $83/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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A pollution legal liability insurance policy (PLL) is one of the best ways for your company to combat the growing challenges of pollution liability in the current landscape, especially if it’s involved with waste hauling activities or waste treatment activities. Air pollution alone can be linked to seven million premature deaths yearly.

Going further, air pollution has contributed to 12% of deaths yearly. Human exposure to pollution is one of the most contributing factors to disease. It’s estimated that more than 9 million premature deaths occur yearly when accounting for all forms of pollution.

It’s troublesome if you own a business that handles hazardous waste such as a water treatment plant or a garbage collection business. If your company is found to be liable for the pollution, you may have to suffer the costs of third-party injury or property damage. This article will examine the details around common queries and comparisons surrounding PLL insurance, including:

  • Definition of pollution legal liability insurance

  • Pollution legal liability vs contractor’s pollution insurance

  • Target business lines for PLL insurance

  • Why you need pollution legal liability insurance

Pollution legal liability policy is a type of insurance that grants protection against claims when business operations result in accidental chemical spills, chemical discharge, debris exposure, and environmental risks.. Many policies also cover cleanup costs from pollution spills on work sites or facilities.

PLL insurance policy covers environmental risk for owners, operators, and developers in virtually every industry. It covers those that own, lease, acquire, or divest real estate where hazardous storage, generators, or materials are used. PLL environmental insurance terms vary between five and ten years for operational coverage, while the coverage for healthcare risks generally has an average term of three years.

Pollution legal liability insurance is separate from another type of similar insurance called contractors' pollution liability insurance (CPL). The differences in Contractors' pollution liability insurance include things like:

  • Contractors need extra coverage from general liability policies, leading to them needing their own separate coverage to cover the liability.

  • CPL covers pollution conditions resulting directly from contractors' work and work performed by subcontractors

  • Chemical spills at job sites

  • Transporting hazardous materials

  • Collision in transit of transportation

  • Inappropriate disposal of hazardous material

Pll insurance covers various costs from pollution events or conditions that occur from a covered location. It covers liability for things like:

  • Indoor air quality

  • Fire

  • Chemical spills

  • Onsite hazardous materials

  • Third-party injury or illness

  • Property damage

  • Cleanup costs

What Are the Target Business Lines?

The target business lines for pollution legal liability coverage are those in every industry. Some examples include:

  • Manufacturing facilities

  • Power plants

  • Construction companies

  • Hotels 

  • Farms 

  • Mining

You will want pll insurance if you need protection from cleanup costs and tort liability from any pollution on the site of your business. The coverage extends to any current operations or operations that occurred before or after you started doing business.

It is a good idea to purchase a pollution legal liability insurance policy because it gives you extra protection that general liability policies may not cover. The coverage limits for pollution legal liability are typically much higher and more inclusive.

What is an Example of a Pollution Liability?

A situation where you might use pollution liability is if an industrial machine malfunction, causing excessive air or water pollution. If the air or water quality is greatly affected, it might cause sickness in others and need to be cleaned. Pll coverage would really save you by helping cover costs from things like medical bills from those affected, as well as cleanup costs.