Specialist Pollution Insurance & Legal Liability
for Small and Medium Businesses
provided by and in partnership with EDIA Limited
Peace of Mind
Providing Everything You Need
Legal Support
SPILL is supported by a specialist environmental law firm that can provide:
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Environmental liability advice;
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Legal interpretation of policy wording;
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Appointing environmental consultants; and
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Advice when dealing with regulators.
To understand the particular environmental liability risks and insurance protection for your own business or property, you can request:
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Environmental Liability Review – legal analysis of the Groundsure Report Phase 1 Report /Pre-Loss Survey, environmental liability assessment and summary of the SPILL insurance coverage.
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Legal Support – free legal helpline if you have any queries about the liability position or policy wording.
*An environmental desktop search (Groundsure Review or Groundsure Screening report) can be ordered at the outset to assess the historic contamination risks, or form part of the Pre-Loss Survey.
Benefits
Prevent spills from happening
The SPILL package is unique in the UK market as the insurance protection is accompanied by a Pre-Loss Survey undertaken by a leading environmental consultancy and spill response specialist.
The Pre-Loss Survey will identify pollution risks at your property and provide clear and cost-effective recommendations to prevent pollution incidents from happening.
Minimise environmental liability risks
The pollution prevention measures will ensure that your business is protected from expensive remediation costs and a wide range of criminal and civil liabilities.
Overview of Environmental Liability Regimes
Pollution spills can result in:
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Significant clean up costs - particularly if groundwater or surface water is impacted
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Regulatory enforcement and fines - the Environment Agency or local authority can take enforcement action against your company and impose unlimited fines for water pollution offences and directors can be sent to prison
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Third party claims - neighbouring landowners can initiate nuisance claims and individuals can bring personal injury claims for exposure to hazardous substances
As part of the SPILL package, you have access to advice and guidance from a specialist environmental law firm ELM Law.
Strength
Strengthen Business Reputation
Environmental Social and Governance (ESG) is now becoming a business requirement for winning new work.
One accident outside of your control can seriously harm your ESG credentials and damage all the good work your company and staff have made on environmental improvements.
SMEs that participate in SPILL and undertake the pollution prevention survey will demonstrate your environmental commitment to your customers, employees and the local community.