Healthcare Premises Pollution Liability Insurance Policy

The Healthcare Premises Pollution Liability Insurance (Healthcare PPL) Policy offers pollution and facility-borne illness event coverage for owners, operators and managers of healthcare facilities. Tailored for their unique pollution risks, the standard ACE Healthcare PPL policy form combines traditional, new and pre-existing pollution coverage with built-in coverage for non-owned disposal sites, transportation of waste, fungi and legionella, illicit abandonment, business interruption and catastrophe management, along with decontamination costs for a facility-borne illness event.

Benefits:

• Underwriting of insured’s environmental management program and due diligence process vs.each location
• Coverage for premises, non-owned disposal sites, transportation of waste, off-site operations,  Bodily Injury/Property Damage from pollution conditions, pollution clean-up - all under one policy
• Claims-made and reported Healthcare Premises Pollution Liability coverage form
• Single non-auditable policy incorporating multiple coverages, reducing the potential for coverage gaps
• Definition of Pollution Condition includes medical, red bag, infectious or pathological wastes
• Responsive underwriting staff with strong expertise in environmental risk and solutions
• Dedicated claims experts
• ESIS^®  Risk Management Services

Coverage:

• Claims-made Healthcare Premises Pollution Liability coverage form
• Unscheduled locations
• Blanket non-owned disposal site coverage, transportation of waste, and fungal and legionella coverage offered within the policy form
• Illicit Abandonment coverage for on-site as well as illicit abandonment of the insured’s waste by a third-party transporter
• Automatic Acquisition and divestiture coverage
• Off-site Operational Pollution Liability coverage on a claims-made basis with the ability to match existing retroactive coverage
• Non-auditable Policy
• First-party coverage for remediation costs resulting from premises-based pollution conditions
• Third-party liability coverage for pollution conditions resulting from premises, blanket non-owned disposal sites, transportation of waste, and off-site operational exposures on a claims made and reported basis
  • Ability to match existing retroactive coverage
• First-party coverage for business interruption loss resulting from pollution conditions
• First-party coverage for catastrophe management costs resulting from pollution conditions or facility-borne illness events
  • Including coverage for relocating and lodging patients during shutdown
• First-party coverage for decontamination costs resulting from facility-borne illness events
• First-party coverage for emergency response costs resulting from pollution conditions or facility-borne illness events
• Coverage for fungal and legionella exposures, on a presence basis
• Automatic acquisition and divestiture coverage available by endorsement
• Initial launch on non-admitted paper