Environmental Risk Insurance
Environmental Risk & Pollution Liability Insurance
Environmental risk insurance covers pollution-related losses that standard general liability policies specifically exclude — things like cleanup costs, bodily injury, and property damage caused by a pollution condition. For contractors, manufacturers, and property owners, a single environmental claim can run into six or seven figures, and general liability won’t respond. Covella places environmental coverage tailored to your operations across the tri-state.
What Environmental Coverage Protects
What it covers
on-site and off-site cleanup costs · third-party bodily injury and property damage from pollution · legal defense · transported-materials and completed- operations exposures (varies by form).
Who needs it
contractors (especially excavation, demolition, HVAC, environmental trades), manufacturers, property owners, and anyone handling or disturbing potentially hazardous materials.
Cost factors
operations, materials handled, project types, and coverage limits.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
Doesn’t my general liability cover pollution?
Almost never — most GL policies contain a pollution exclusion, which is exactly the gap environmental coverage fills.
Do I need it if I only occasionally disturb soil or old materials?
Often yes — even occasional exposure (lead, asbestos, fuel, runoff) can trigger a costly claim.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.