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Environmental Impairment Liability Insurance

Environmental Impairment Liability insurance (EIL) provides coverage for a company in the case of negligence, or omissions that result in bodily damage or damage the environment.

It also covers liability, filling in some of the gaps of your general liability insurance policy. EIL protects you against lawsuits brought on because of a negligent act on the part of yourself or an employee, that results in damage to the environment. 

If you work with equipment or chemicals that are potentially harmful to the environment, you probably already have an EIL insurance plan. However, you should talk with your agent to ensure you have enough coverage in case of an accident or lawsuit.  

EIL insurance provides coverage for these basic areas:

Remediation Costs
Should your company have a disastrous oil, gas, or toxic substance spill, the cleanup costs could be extensive. EIL insurance covers government and third-party mandated remediation and corrective costs, both onsite and off. 

Liability Claims
Any claims from third parties relating to bodily injury or property damage can lead to lawsuits, and could be potentially disastrous for a company. EIL provides coverage for liability claims made against your company.

Legal Defense Costs
EIL should also cover court costs, court awarded damages, and legal defense in case of a lawsuit, up to the amount of coverage provided by your policy.

Keep in mind that an environmental impairment lawsuit can be potentially devastating to your company if the proper insurance policy is not in place. An EIL policy is different than a general liability policy, and should be taken out in addition to your general liability, not as a replacement for one.

Be sure to discuss your options, coverage limits, and any gaps you may have in your policy with your agent. Many companies require additional add-ons to a policy, such as if they have operations dealing with lead-based products or asbestos. Be sure to mention any potential liabilities that your company may have, when discussing coverage with your agent. This will ensure that your policy will provide coverage in case of an incident.