Environmental Impairment Liability (EIL)

Environment Impairment Liability (EIL) insurance provides coverage for damages or losses resulting from environmental pollution or contamination (both sudden and gradual releases of pollutants, including soil, water, and air contamination) caused by the insured's operations.

The coverage typically includes:

• Cleanup and removal of pollutants, both on-site and off-site
• The reversal of damage to biodiversity
• Defense costs in the event of legal action
• Compensation for third-party bodily injury or loss of business
• Business interruption
• Loss mitigation costs
• Transportation

EIL insurance policies may also provide industry-specific coverage for certain types of businesses or industries, such as:

• Oil and gas exploration and production
• Chemical manufacturing
• Agricultural operations
• Construction and demolition

• Intentional pollution or contamination
• Asbestos-related claims
• Nuclear and radiological hazards
• War, terrorism, and cyber attacks
• Pollution or contamination caused by third-party contractors or vendors
• Existing environmental conditions or contamination that pre-dates the policy period
• Claims arising from compliance with environmental regulations or laws