{"id":6637,"date":"2018-04-26T15:12:10","date_gmt":"2018-04-26T13:12:10","guid":{"rendered":"http:\/\/ollerbrokers.com\/solutions\/liability-insurance\/environmental\/"},"modified":"2026-10-22T18:26:22","modified_gmt":"2026-10-22T16:26:22","slug":"environmental","status":"publish","type":"page","link":"https:\/\/ollerbrokers.com\/en\/business-insurance\/liability-insurance\/environmental\/","title":{"rendered":"Environmental"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_image=&#8221;https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/cabecera-responsabilidad-civil-medioambiental.jpg&#8221; background_size=&#8221;initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;100px||100px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;25px&#8221; header_font=&#8221;|300||on|||||&#8221; header_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||0px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Environmental liability insurance<\/h1>\n<p class=\"ob-hero-p\" style=\"text-align:center;padding:0;margin:0\"><a class=\"ob-hero-a\" href=\"https:\/\/ollerbrokers.com\/en\/contact-us\/\">Get advice<\/a><\/p>\n<style>#page-container a.ob-hero-a{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 28px;margin-top:22px;background:#fff;color:#9B1F2E!important;box-shadow:0 2px 10px rgba(0,0,0,.18);font-size:16px!important;font-weight:600;line-height:1.2;letter-spacing:0;text-transform:none;border-radius:4px;text-decoration:none;text-shadow:none}#page-container a.ob-hero-a:hover{background:#F4EDEE}#page-container a.ob-hero-a:focus-visible{outline:3px solid #fff;outline-offset:3px}<\/style>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f7f7f7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<style><!-- [et_pb_line_break_holder] -->\/* Environmental liability insurance. 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(max-width:767px){.obp-g2,.obp-g3{grid-template-columns:1fr}}<!-- [et_pb_line_break_holder] -->.obp-c{display:flex;align-items:center;justify-content:space-between;gap:24px 40px;flex-wrap:wrap;padding:48px 0;background:#9B1F2E;box-shadow:0 0 0 100vmax #9B1F2E;-webkit-clip-path:inset(0 -100vmax);clip-path:inset(0 -100vmax)}<!-- [et_pb_line_break_holder] -->.obp .obp-c-t{margin:0 0 8px!important;color:#fff;font-size:clamp(1.35rem,2.2vw,1.75rem);line-height:1.2;font-weight:600;letter-spacing:-.015em}<!-- [et_pb_line_break_holder] -->.obp .obp-c p.obp-c-d{max-width:640px;color:rgba(255,255,255,.88);font-size:1.0625rem;line-height:1.55}<!-- [et_pb_line_break_holder] -->.obp a.obp-c-b{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 28px;background:#fff;color:#9B1F2E!important;font-size:16px;font-weight:600;border-radius:4px;text-decoration:none;white-space:nowrap}<!-- [et_pb_line_break_holder] -->.obp a.obp-c-b:hover{background:#F7F7F7}<!-- [et_pb_line_break_holder] -->.obp a.obp-c-b:focus-visible{outline:3px solid #fff;outline-offset:3px}<!-- [et_pb_line_break_holder] -->@media (max-width:767px){.obp-c{padding:40px 0}.obp a.obp-c-b{width:100%}}<!-- [et_pb_line_break_holder] -->@media (max-width:980px){.obp-2{grid-template-columns:1fr;gap:44px}}<!-- [et_pb_line_break_holder] -->@media (max-width:767px){.obp-b{padding:44px 0}.obp-g{grid-template-columns:1fr;gap:12px}.obp-i{padding:18px 18px 20px}}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-b\"><pee class=\"obp-lead\">Under the \u00abpolluter pays\u00bb principle, Spain\u2019s <a href=\"https:\/\/www.boe.es\/eli\/es\/l\/2007\/10\/23\/26\/con\" target=\"_blank\" rel=\"noopener\">Environmental Liability Act<\/a> requires whoever causes environmental damage to prevent it, avoid it and repair it, and to bear the cost.<\/pee><pee class=\"obp-txt\">Environmental liability insurance protects a company\u2019s assets when its activity causes damage to the environment or to third parties.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-b obp-w\">\n<h2 class=\"obp-t\">What it covers<\/h2>\n<div class=\"obp-g\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Third-party damage<\/h3>\n<pee>Personal injury and property damage occurring inside and outside the insured premises.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Damage to biodiversity<\/h3>\n<pee>Repairing the damage caused to species and habitats.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Pollution in transit<\/h3>\n<pee>Pollution arising from the transport of the company\u2019s goods and waste.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Clean-up costs<\/h3>\n<pee>For new pollution and environmental damage, inside and outside the premises.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Prevention and mitigation<\/h3>\n<pee>The cost of preventing the damage or reducing it.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Business interruption<\/h3>\n<pee>Losses when pollution forces the business to stop.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Defence and bail bonds<\/h3>\n<pee>Legal defence and any bonds required.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Crisis containment<\/h3>\n<pee>Support to manage the crisis caused by an environmental incident.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<pee class=\"obp-nota\">Cover, limits and deductibles vary from one policy to another.<\/pee><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-b\">\n<h2 class=\"obp-t\">Is a financial guarantee compulsory?<\/h2>\n<div class=\"obp-g\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\"><span class=\"obp-n\">1<\/span><\/p>\n<h3>Who must have one<\/h3>\n<pee>Companies subject to the industrial emissions (IPPC) or major-accident (SEVESO) rules, and category A waste facilities in the extractive industries.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\"><span class=\"obp-n\">2<\/span><\/p>\n<h3>For what amount<\/h3>\n<pee>It is set by an environmental risk analysis, up to a maximum of \u20ac20 million.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\"><span class=\"obp-n\">3<\/span><\/p>\n<h3>Exemptions<\/h3>\n<pee>Companies whose potential damage is assessed below \u20ac300,000 are exempt, or below \u20ac2,000,000 if they hold EMAS or ISO 14001. Even so, their liability remains strict and unlimited.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<pee class=\"obp-nota\">The guarantee can take the form of an insurance policy, a bank guarantee or a technical reserve. Source: <a href=\"https:\/\/www.miteco.gob.es\/es\/calidad-y-evaluacion-ambiental\/temas\/responsabilidad-mediambiental\/garantia-financiera\/garantia-financiera-rma.html\" target=\"_blank\" rel=\"noopener\">Spanish Ministry for the Ecological Transition<\/a>.<\/pee><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-c\">\n<div><pee class=\"obp-c-t\">Could your activity affect the environment?<\/pee><pee class=\"obp-c-d\">We review your situation and help you cover the environmental risk of your activity. No commitment.<\/pee><\/div>\n<p><a class=\"obp-c-b\" href=\"https:\/\/ollerbrokers.com\/en\/contact-us\/\" data-pop=\"1\">Let\u2019s talk<\/a><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-b\">\n<h2 class=\"obp-t\">What can happen<\/h2>\n<div class=\"obp-g obp-g2\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Spill into a river<\/h3>\n<pee>A tank ruptures and releases waste into a nearby river: the spill has to be contained, the riverbed cleaned and the damage to biodiversity repaired.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-i\">\n<h3>Soil contamination<\/h3>\n<pee>A leak at a facility contaminates the soil on the site and on neighbouring land.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-b obp-w\">\n<h2 class=\"obp-t\">Frequently asked questions<\/h2>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-q\">\n<h3>How is it different from general liability?<\/h3>\n<pee>General liability covers damage to third parties. Environmental liability also covers damage to the environment itself \u2014water, soil, species and habitats\u2014, which the law requires to be repaired even if no third party has been harmed.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obp-q\">\n<h3>Is my company required to have a financial guarantee?<\/h3>\n<pee>Companies subject to the IPPC or SEVESO rules and category A extractive waste facilities are, unless an exemption by amount applies. Other activities can take it out voluntarily.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><script>(function(){var a=document.querySelector('.obp a.obp-c-b');if(!a){return;}a.addEventListener('click',function(e){if(a.getAttribute('data-pop')!=='1'){return;}var q='boton-formulario-';var b=document.querySelector('.oller-contacto-btn')||document.getElementById(q+'ES')||document.getElementById(q+'CAT')||document.getElementById(q+'EN');if(b){e.preventDefault();b.click();}});})();<\/script><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f7f7f7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;0px||0px|&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px|&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">Related products<\/h5>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; column_structure=&#8221;1_3,1_3,1_3&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><!-- [et_pb_line_break_holder] --><a href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/liability-insurance\/business\/\"><!-- [et_pb_line_break_holder] --><img decoding=\"async\" src=\"https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/prod-empresas.png\" alt=\"\" style=\"display:block;margin:0 auto;margin-bottom:20px\"><!-- [et_pb_line_break_holder] --><\/p>\n<h6 style=\"text-align: center;font-size:20px;\">Corporate liability<\/h6>\n<p><!-- [et_pb_line_break_holder] --><\/a><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><!-- [et_pb_line_break_holder] --><a href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/liability-insurance\/cyber-insurance\/\"><!-- [et_pb_line_break_holder] --><img decoding=\"async\" src=\"https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/prod-ciberseguro.png\" alt=\"\" style=\"display:block;margin:0 auto;margin-bottom:20px\"><!-- [et_pb_line_break_holder] --><\/p>\n<h6 style=\"text-align: center;font-size:20px;\">Cyber insurance<\/h6>\n<p><!-- [et_pb_line_break_holder] --><\/a><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; 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