Environmental Impairment Liability (EIL)

Increasing environmental regulation means that businesses need to be more mindful than ever of the financial, legal and reputational consequences of dealing with a pollution event, as well as their social and ethical responsibilities.

Whilst the ‘Polluter Pays’ principle exists, environmental liabilities are often passed to current property owners, who find themselves being held responsible for pollution or environmental damage for which they had no knowledge of and for which they had no control over. Experience has shown that even operations that consider themselves as “low risk” can give rise to complex environmental issues and costly cleanup, which may not be covered under a Public Liability insurance policy.

EIL Brochure

Introduction to EIL

Find out more about EIL, why it matters, and whether you're already covered



Find out why EIL is important for Construction, with Construction scenarios that have led to environmental issues

Food and Drink


The Food and Drink industry seems an unlikely source of pollution, but even milk spillages can be significant pollution events

Historic Pollution


What happens when the polluter cannot be found, and the owner or occupier becomes liable?

Real Estate


Find out why EIL is important for Real Estate, with Real Estate examples that have led to environmental laibility

Fire Loss


Fire is one of the biggest risks to businesses, but even the extinguishing of a fire can cause devastating pollution issues