There’s more to insurance than the price.

Explore this interactive graphic and learn about your unique risks and the related insurance solutions.
Environmental Pollution
Risk Factor

Some water leaks are very obvious so they’re able to be repaired timely. Others are more discreet, causing mold to grow unnoticed. Mold is a health hazard that can make tenants very sick.


Premises pollution policies can include coverage for remediation of mold and damage to the property. It can also provide coverage for defense of claims of bodily injury as well as court-awarded damages.

Risk Factor

Many old apartment buildings contain lead-based paint, which is now known to be very harmful if absorbed into the body. Small amounts of lead can cause serious health issues and larger amounts can be fatal.


Premises pollution policies provide coverage for removal of lead-based paints and other lead hazards. It can defend against legal claims of injury caused by the lead as well as medical monitoring for ongoing concerns.

Business Income
Risk Factor

If a building is contaminated by mold, lead, asbestos, or other hazardous materials, it may be deemed uninhabitable. Owners who are unable to collect rent from tenants can suffer from significant income loss as a result.


A premises pollution policy can also provide coverage for business interruption losses including rental income, relocation, mitigation, net profits, and payroll.

Risk Factor

Asbestos is a heat-resistant material that was commonly found in insulation, drywall, ceilings, and floor tiles up through the mid-1970s and later. Asbestos is known to cause severe lung damage.


Because asbestos was so prevalent in construction materials and can still be found in buildings today, purchasing premises pollution insurance that includes coverage for asbestos remediation, property damage, legal defense for bodily injury claims, and medical monitoring can protect your financial investment.

On-site Oil Spill
Risk Factor

A broken pipe or the misdelivery of heating oil can result in a hazardous spill and a costly clean up. Other chemical spills can be equally detrimental for building owners. Spills can also go beyond the property line, causing third-party damage.


It can be very expensive to clean up after a hazardous material spill like oil or gasoline. If the damage extends beyond your property onto your neighbors, those costs go up exponentially. Because this sort of accident can happen quite easily, proper premises pollution insurance is essential to help mitigate the financial risk.

Claim Examples

After a covered loss, the contractor noticed there was asbestos below the floors that needed to be removed during repairs of the original flooring. 
Business Income:
A large loss occurred, and residents had to move out while the repairs were completed. They did not pay maintenance fees while they were out of their unit (this is not where alternate living expenses would apply). The building was able to file for the loss of business income on an incurred basis.
Lead Paint:
The insured – a landlord of residential rental property – was sued by his tenant after the tenant’s daughter sustained permanent personal injury from the ingestion of lead-based paint that was present in the rental property.  
The building sustained a covered water damage loss, and while they were making repairs, they noticed mold had formed. The insured mitigated the water damage which under their mold coverage, they were able to have the testing and remediation covered.  
Site Policy:
An oil delivery company delivered oil to the wrong building (the insured’s building), causing an oil spill on the premises and additional damages to the property.