Environmental Impairment Liability

Don’t let a pollution incident threaten your whole business.


Our customers can negotiate alternative insurance capital, deductibles and coverage, tailoring the ideal risk management solution for their situation. 

Multinational expertise

Our extensive knowledge of sophisticated program structures and one of the most extensive lists of local environmental policies available in the market allow us to design and implement multinational programmes that reflect each business’ needs.  

Local expertise

With the largest underwriting team in Europe and high capacity, AIG can provide expert decision making and added value consultancy services. 

Claims expertise

We also offer the largest specialised claims team in Europe. Benefiting from our extensive global capabilities and knowledge centres, AIG claims handlers are able to offer strong and dependable customer support during a stressful period for our clients. 

Controlling personal exposures

Following an environmental incident, individuals also face the possibility of personal actions. In fact, some local regulations might hold directors and managers jointly or personally liable for the damages. 

Preserving financial sustainability

Provides immediate protection (corporate and individual) from the costs, expenses and damages that an incident may incur that might threaten the financial viability of the business.  

Environmental Liability Directive

Effective across Europe, this aims to make businesses that cause environmental damage responsible for the full consequences. It deals with serious damage to protected species and their habitats including protected sites, water including underground sources or groundwater and land where there may be a risk to human health.

Reducing reputational risk

Media and public sensitivity to local pollution incidents can impact the business’s image. Holding this insurance is clear evidence of the precautions that the business has taken in managing its responsibilities.  

Who is it for?

AIG’s size and flexibility mean we can protect a wide range of business sectors, both in Portugal and abroad, including.

  • Manufacturers in the electrical and electronic, energy, metal and plastics, textiles, paper and specialty chemicals (pharmaceutical, paint, paints, pesticides) sectors
  • Bulk storage terminals and warehouses holding chemicals or oil and oil-based products
  • Treatment facilities and waste disposal
  • Transportation and logistics companies
  • Construction industry

What is covered?


It enables companies to protect against costs of clean-up, bodily injury and damage caused to other peoples' property, by providing a specific insurance policy packaged to allow the Insured to design a programme suitable for their pollution insurance needs. It can be used by property owners and occupiers and operators of industrial sites.

It covers losses due to damage caused by sudden, accidental or gradual pollution on or emanating from the insured site(s) (claims made): Legal defence costs / Named insured includes Directors and Officers / Site specific or portfolio / Changes in legislation / First party property restoration costs arising from a clean-up claim. 


Contractors, whether undertaking remediation work or working on contaminated sites, are exposed to a wide variety of liabilities imposed by regulatory authorities or by the contractual requirements of individual customers. In most instances these risks will not be covered by their general liability policies. Additionally, gradual pollution conditions may only become evident some time after work is completed and contractors and property owners can find themselves liable many months or even years after the relevant contract is completed.

Our Contractors Pollution Liability product has been designed to protect contractors, site owners and developers, by covering them for cover cleanup cost, property damage and third party liabilities arising from pollution. Contractors and environmental consultants can purchase contract specific cover or blanket cover for all sites or operations being worked on as appropriate tailored for their specific needs. In addition property owners can purchase cover on behalf of contractors working on their site(s) safeguarding their own interests. Occurrence based policies are available to give ongoing cover for gradual pollution conditions after the contract has been completed.