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When Do You Need Environmental Insurance

For someone who is in the real estate market looking to make some profit by obtaining or purchasing real estate property for commercial uses, it is always advisable for them to check their property for possible pollution or toxic waste of any kind. The source of the contamination could be from the polluted soil or land, underground or the construction itself. Besides causing harm to its owners, it might be causing health problems and more to properties that are located near it. If the stated problems do exist, then the property owner will be looking at clean-up costs that could build up to quite a large amount, sometimes exceeding the value of the property itself! Worse still, the property owners might be paying even more for unseen payments to the relevant authorities that are related to the environmental laws and decree. Being the owner or the past owner of the property could mean that you will be held responsible for the toxin and poisons spreading to buildings nearby. Possible charges against you would include personal injury lawsuits or property damage. In such cases, how do you protect you and your company from getting into trouble? The many levels of law enforcements in regards to environmental safety is still new and every now and then they will be amended to keep up with new developments. Trying to keep in touch with the latest changes can be tiring to potential and current property buyers. But the reality is that only a few main decrees are essential in helping you understand the possible penalties as a result of environmental issues. One of the most well-known and important laws is CERCLA, which stands for Comprehensive Environmental Response, Compensation and Liability Act, where it is passed as an official law in the year 1980. Another revised and improved version of CERCLA is SARA, which stands for Superfund Amendments and Reauthorization Act) where it was authorized in the year 1986. There are currently a few active funds in the world today where the money is intended to help pay for the clean-up costs of deserted commercial sites that are too contaminated to be used and to cover the liability costs of the owner of the property. If you have checked the premiums for insurance policies covering environmental risks of commercial properties, and you think that it might be too expensive or it might make you initial investments in purchasing the building seem too large of an amount, then you can go check the current Commercial General Liability, or CGL, policy that you have been keeping and paying for. Some of the CGL policies do cover for such incidents of environmental lawsuits though it was not openly declared. However, in recent years, due to the escalating lawsuits involving the very same area and insurance companies ended up paying for liabilities as a result of pollution, the insurance companies have since readjusted their clauses to not cover for such incidents. With rising news coverage on the pollution problems and the large amount of money property owners have to pay for the damages and cleaning up, insurance companies have come up with policies which provide coverage especially for environmental damages and pollutions. This type of insurance will cover costs and damages resulting from pollution and contamination of toxic waste, damages and harm to the estate or physical harm to a third party, the cleaning-up bills of a third party's estate that is not considered the policy owner's estate, the cleaning costs of an estate that is not owned by any individuals but damaged by the policy holder's estate, and finally the transportation costs of products or waste which have caused pollution and contamination problems. If you are thinking of purchasing and developing a brownfield site, which means the commercial site that has been left undeveloped because of its excessive pollution problems, take note that there are insurance companies willing to offer you coverage for these areas. If there is no insurance coverage offered for these sites, this land may be left undeveloped since the risks of incurring clean-up costs and the further financial payments in penalties is too high. In order to cut down the risks involved, check with the local authorities regarding the laws and regulations regarding the pollution and environment concerning commercially run estates. Take note on your potential accountability in financial terms and also the legal requirements if something should happen to the buildings and estates near your property. If you find the law decree hard to understand always seek help from a lawyer who is well versed in the field of environmental laws. By acquiring the necessary knowledge, you can then decide if you need to purchase an environmental insurance for your property.

Commercial Liability Insurance

Liability insurance is when you cover any visible or possible liability that you may have with proper insurance. When businesses or commercial establishments purchase insurance to cover their liabilities, it is called as commercial liability insurance. For any commercial firm, the commercial liability insurance pays part of or the entire amount of the damages caused by liabilities of the company that may have been imposed due to business-dealings or by law. It also has the potential to pay for the cost of legal defense in case of any claims. Adequate commercial liability coverage is a must to survive in business. Without it, a commercial firm would have to bear the cost of damages itself. One has many options of applying for commercial liability insurance. However it is the insurance company that, by using their underwriting standards, determines if the business is eligible for insurance and for how much. The insurance companies have classifications on businesses, and any new commercial liability insurance has to fall in one of those classifications. This means that even a company with a totally clean record might still have to pay a high premium for commercial liability insurance. Insurance is mostly sold directly by a company or through their agents and brokers. There are also individual and independent agents that, unlike exclusive agents, at times represent several insurance companies. If one is considering buying commercial liability insurance, he or she should remember to contact several liability insurance agents and look around for various companies. At the same time, the firm should also ensure that it thoroughly understands what it is buying. Often an independent agent can be a good source to provide comparisons on various commercial liability insurances policies available. However, one should remember to properly search around and even surf the internet to do some research on his or her own, before finally opting for one company and policy over another. Also, do remember to check that the agent you choose has experience in your line of business and whether he or she is licensed to do business in your state. You can find about an agent's license from the Commissioner of Insurance by calling them up or visiting the website.

What Exactly is Commercial Insurance?

So what is Commercial Insurance? Put very simply, Commercial Insurance is protection for your business. From new start businesses to those well established; an unexpected event could destroy your business if adequate cover isn't in place. With so many insurance products and providers, it would be easy to think Commercial Insurance was a complicated matter. It doesn't however need to be this way. Commercial Insurance can easily be broken down into 3 keys areas: Keep it legal Protection How to buy Keep it legal Certain types of cover are required by law. Employers Liability insurance, which covers claims from employees for accidents and sickness they may suffer as a result of working for your business, is one type of cover that must be purchased. You will also need to purchase at least third-party motor insurance for all motor vehicles used by the company. Protection Ensuring you have the right cover and protection is vital so time should be taken to ensure you find a policy (or policies) that give you exactly the level of cover you require. This again need not be a complicated task if you break down your requirements: Insure your people – many firms are often dependent on the people they employ. Insurance is available which will protect the business in the event of employees being unable to work. Types of cover available include Keyman insurance, income protection, directors & officers insurance and private health & critical illness cover. Insure the common risks – certain risks are common to all businesses. These include fire, theft and equipment failure. It is worth investigating (or getting someone to investigate for you) whether common risks such as buildings and contents insurance, cover for money and goods in transit and business interruption insurance can be covered under an all-risks type policy. This may save your business time as well as money. Specialist cover – depending on your industry and requirements, policies can often be packaged together with some even being industry specific with packages tailored to cover specialist sectors like engineering or manufacturing. Other specialist cover available includes public and product liability and professional indemnity cover. How to buy Commercial Insurance is more often than not purchased using an Insurance Broker. The benefit of using a Broker is that they are insurance professionals who can recommend policies to you whilst searching the market to find you the best possible deal. A good Broker will offer a personalized service and will understand your needs and that of your business. When looking for an insurance provider it is often worth checking to see if they are well established, have schemes with the leading insurance companies and whether they offer a local and personalized service. If you follow these simple tips then the chances are you and your business wil get the right cover, protection and peace of mind. This article was written by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. Mark has over 17 years Marketing experience in the Financial Services industry and has worked on campaigns for companies including Norwich Union, Kia and Zurich. Now based in Newcastle upon Tyne Mark is Marketing Manager for one of the UK's Leading Insurance Brokers - Northern Counties Insurance Brokers.