Environmental Legal Liability (ELL) insurance is designed to protect property owners, operators, and tenants against environmental liabilities arising from pollution conditions at insured locations.

ELL provides coverage for both on-site clean-up costs and third-party claims, addressing exposures that are typically excluded under standard property and liability policies.

SRIM offers tailored ELL solutions for Canadian premises-based risks, underwritten on a case-by-case basis.

What Does ELL Insurance Cover?

ELL insurance responds to pollution incidents occurring at, on, under, or migrating from insured locations, including:

• Historical or newly discovered contamination
• Regulatory-mandated clean-up costs
• Off-site migration of pollutants
• Environmental damage impacting third parties

Key Coverage Highlights

First-Party Coverage

• On-site pollution clean-up and remediation costs
• Emergency response expenses
• Environmental crisis management costs

Third-Party Liability

• Bodily injury caused by pollution conditions
• Property damage resulting from environmental contamination
• Third-party clean-up costs

Optional Business Interruption

• Loss of income and extra expense resulting from a covered pollution incident
• Coverage applies where pollution causes an insured interruption to operations

Who Is ELL Insurance For?

ELL insurance is suitable for organizations with premises-based environmental exposure, including:

• Industrial and commercial property owners
• Manufacturers and processors
• Warehouses and distribution facilities
• Terminals, depots, and storage locations
• Landlords and tenants with environmental risk

ELL is commonly used to protect balance sheets, support financing requirements, and address regulatory exposure associated with contaminated or environmentally sensitive sites.

Limits & Policy Structure

• A broad range of limits available to meet your client’s needs – from small, targeted placements to large, complex risks
• Site-specific limits and deductibles
• Coverage structured per insured location

Environmental Emergency Response Hotline

Insureds benefit from access to a 24/7 Environmental Emergency Response Hotline, providing immediate access to environmental response specialists in the event of a pollution incident.

This service assists with rapid incident response and mitigation.

Why Place ELL with SRIM?

• Specialist environmental underwriting expertise
• Tailored solutions for complex premises risks
• Clear referral process for site-based underwriting
• Strong claims and emergency response support

Get a Quote

Environmental Legal Liability risks are underwritten on a referral basis.

To discuss a submission or obtain a quotation, please contact your SRIM underwriter or submit full risk details for review.