Chemical distributors and manufacturers have particular difficulty obtaining insurance programs that respond to their unique exposures. They encounter significant potential liability from the operations conducted on their premises, from products exposure after the chemical leaves the insured's custody and from over-the-road transport and transfer of chemicals. Unfortunately, typical general liability policies have an absolute pollution exclusion that rejects coverage for acids, alkalis and chemicals. Products coverage is often limited or nonexistent.* Transportation liability, including pollution coverage, is also difficult to obtain.

Our chemical facilities program concentrates on businesses that provide chemicals for resale or industrial use. These operations range from broker services, wholesaling and warehousing, repackaging/relabeling, mixing and blending and manufacturing. An error in any of these operations can lead to catastrophic loss. Our specialized program provides coverage essential for all chemical businesses, including:

• Third-party products liability for bodily injury and property damage;
• Pollution coverage for the insured's products liability; and
• Availability of broad form vendors coverage.

The chemical fleet exposure is covered by our automobile liability program. This is composed of a business automobile policy which includes the MCS-90 endorsement, along with true pollution coverage for loading and unloading, and over-the-road exposures. This policy can be tailored to provide different liability limits per vehicle (e.g., $5 million on specified tractor/trailers, $1 million on all other vehicles), and filings can be maintained for every state.

* Refer to your policy for actual terms and conditions

In addition to the products described above, XL Environmental provides one-stop shopping for all of a chemical client's insurance needs, including on-site remediation, third-party pollution legal liability for losses emanating from their site, workers compensation and property coverage, including Pollutant and Contaminant coverage extensions.