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Becoming an eKo Specialty client is fast, easy and commitment free.  To inquire or learn more, please call us at 805.373.6968 or use our contact form.

This information is designed to give you a quick overview of the coverage and how it works. Your policy is the contract that specifically and fully describes your coverage. Please feel free to call 805.373.6968 with any questions.

Pollution Legal Liability policies are designed to cover the environmental risks associated with owning or operating a facility or site. The policy provides coverage for environmental liabilities of the Named Insured for third party claims or bodily injury, property damage and clean-up costs from on-site or off-site pollution conditions. Defense of third party claims up to the limit of the policy is typical. Covers both sudden and gradual pollution conditions.

• Premiums start at $5,000.
• Deductibles start at $5,000.
• Limits are available from $1,000,000/$1,000,000 to $50,000,000.
• Please click here to download the Pollution Legal Liability application.

NOTE: The claims scenarios summarized are offered only as examples. The examples are not intended to establish any standards of care or to serve as legal advice appropriate for any particular factual situations. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy.

1. A explosion occurred at an agricultural chemical plant that produced nitrogen based fertilizer. Shrapnel from the explosion punctured storage tanks. A cloud of ammonia gas was released which forced the evacuation of 2,500 people.

Outcome - The pollution liability expense was extensive.

2. A leak occurred in a university heating-oil storage tank. The tank was not properly contained, and the leak was not discovered for several days. As a result, the spill polluted a nearby river. Several more days passed before anyone was informed about the spill.

Outcome - The resulting pollution clean-up of the river cost the university over $75,000.

3. A manufacturer operated a machine, which was used to punch holes in sheet metal. A portion of the machine was located beneath the floor. For more than 20 years, lubricating oil from the machine was released in to the surrounding soils. When the drinking water well was tested, it contained petroleum hydrocarbons. Which were determined to be from the leaking equipment.

Outcome - The manufacturer paid over $400,000 for the investigation and clean-up expenses.

• Claims made or occurrence.
• Mold/fungus coverage may be offered.
• Separate defense limits.
• Non-owned disposal site coverage.
• Business interruption.
• Transportation pollution liability.
• Clean-up costs for first party on-site discover of pollution conditions.
• Extended reporting period of up to 40 months.