Environmental Liability

Most businesses have ignored this cover due a combination of cost and ignorance.

The minimum premium has reduced in fits and starts over the last 10 years from £10,000 to under £600. Premiums will ultimately reduce to a level where every business, property owner and some households will be able to consider it, but in the meantime, what about you?

Do you...

  • Use
  • Store
  • Manufacture
  • or Move any Chemicals or flammables?
  • Have any petrol or diesel storage tanks?
  • Own land or have tenants that could leave you responsible for contamination?

Are you...

  • Near a river, lake or water course?
  • Purchasing a brown field site?

The evolution of Environmental liability (abridged version)

  • Cover was included under standard Public Liability policies.
  • Statutes (such as the 1990 Environmental Protection Act) were brought in so that liability didn’t depend on the four torts (Negligence, Nuisance, Rylands v Fletcher & Trespass).
  • Public Liability policies were restricted further to covering Sudden, Accidental Unintended and Unexpected (all four components necessary) only.
  • The Bartoline incident (2006) highlighted that liability policies did not include Statutory clean up.
  • Environmental Damage Regulations (2009) takes matters a step further by replacing the term ‘pollution’ with (the much wider) ‘environmental damage’. This is only one of a succession of statutory instruments, so now there is a Strict liability (avoiding the need to prove fault).

As a result, there are a range of covers that can be considered to protect your position...

  • Own site damage and statutory clean-up
  • Own site injury
  • Off-site clean-up and liability
  • Off-site property and liability
  • Transportation
  • Biodiversity Historical
  • Directors & Officers Protection

Do you have an oil tank, flammables or chemicals and what is your proximity to a river or water course? There doesn’t even have to be a spillage. Firewater run off (cocktail of water, foam and whatever was being stored due to a fire) is also a source of risk. For more information, or a quotation.


Why not contact Buckland Harvester today for more information?


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"Buckland Harvester aims to provide professional, added value services to promote successful and profitable long term relationships with our clients. We always endeavour to treat our clients fairly in all we do."

David Hudson
- Managing Director