Specialist Pollution Insurance & Legal Liability
for Small and Medium Businesses
provided by and in partnership with EDIA Limited
How can SPILL help my business?
Step 1
We can source a Desktop Search from our partner provider Groundsure or a Phase 1 Report (pre-loss site survey).
Step 2
We can review the report to provide straight forward and practical advice on environmental liability risks and recommend next steps. In the unlikely event that an intrusive ground investigation (Phase 2) is required, we can assist in procuring the correct environmental consultants to undertake this work and influence the scope of investigations to ensure that the assessment is robust.
This is where we present how we share our knowledge of the product with our clients.
UK Environmental Law - ELM LAW
Assessing the risk
The first stage is to understand what your risk is.
We use a conceptual model like the example below, to determine what our client's demands and needs are before designing the insurance policy.
Case Study
Applying the 'Source Pathway Receptor Model' to a construction project that had stalled at the planning stage.
The risk to a drinking water well from an old gas works, was just too great.
This short video shows how we applied the Conceptual Model to our understanding of the risk and identifying the client's demands and needs.
Managing the Risk
We consider how Environmental Insurance in support of an engineered solution can manage the risk associated with the development of a former gas works.
This allowed the brownfield site (where planning approval had stalled) to be developed and brought back into use.
Indemnify or Pay on Behalf
When a client needs to decide what type of policy to buy, we have to think about how the policy will react in the event of a claim. This short video describes the difference in policy wordings and how a settlement would be paid in relation to a claim.
Public Liability VS Pollution Liability Insurance
Defining the gap between a Public Liability Policy and Pollution Policies