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      Environmental Casualty:
Site Pollution Legal Liability
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Navigators Re
Environmental Casualty
Contractors Pollution Liability
Site Pollution Legal Liability
NP3 sm General & Environmental Liability (Mfg. & Distributors)
NP4 sm General, Environmental & Professional Liability (Env'l Consultants)
Environmental Excess
Protection & Indemnity

Over one-hundred years of industrialization and commercialization has left a legacy of environmentally impaired land and waterways, often in unexpected places.  Companies that own or operate land are increasingly at risk of realizing significant environmental liabilities as a result of sweeping environmental laws and regulations.  Emerging pollutants such as mold, legionnella and indoor air contaminants can appear even within the most innocuous facilities. From brownfields to greenfields, Navigators Environmental can tailor insurance solutions to help manage even the most challenging environmental risks associated with the ownership, operation or sale of real estate.


Customer Profile:

  • Owners and Operators:


  • Commercial (Retail, Hospitality, Entertainment, Warehousing)

    Institutional (Educational, Hospital, Municipalities)

    Habitational / Office (REITs, Property Mangers)

  • Buyers and Sellers:

    Private Equity, REITs

    Lenders, Post Bankruptcy, Property Managers

Minimum Premium: $5,000 

Capacity: $25M

Distribution: Open Brokerage 

Territories where this product can be provided: All U.S. 

Key Features:

  • Broad and Customizable Coverage Form

    Pollution Liability at Your Insured Site(s)

    Broad Pollution Liability coverage for off-site activities (i.e., Transported Pollution

        Liability, Waste Disposal Sites Coverage, Contracting Operations, all on an

        unscheduled basis)

    Coverage can be tailored to fit the insured’s operational and/or

        transactional exposures

    Operational (up to 5 yr term)  or Transactional (up to 10 yr term)

Submission Guidelines:

  • Navigators Site Pollution Legal Liability application
  • Environmental Due Diligence Reports or Property Surveys (if they exist)
  • Copy of pollution loss runs (renewal accounts)
  • Financials are required for specific classes or for high retention placement
  • Applicable for Fungus/Mold Coverage: 5 Yrs of GL and Property Loss Runs, Mold Management PlanApplicable for Storage Tank Coverage: inventory of storage tanks; most recent tank tightness / integrity tests
  • Additional information may be required for certain coverages



Information contained herein is for informational purposes only and shall not constitute an offer.  All coverages may not be available in all locations.  Only the policy itself can confer specific coverage and benefits.  Contact your Navigators representative for more information.

Brett Schoech    (612) 605-6066
Greg Heidemann    (312) 506-8150
Matt Taylor    (312) 506-8194
Patricia Feaheny    (312) 506-8196
Patrick Crotty    (312) 506-8141
Paul Dastis    (212) 613-4317
Brad Kuchinic  President  (312) 506-8175