The message brokers should be conveying to commercial lines clients is that every business needs Environmental Liability.

"Every risk that comes across a broker's desk has an Environmental exposure. Every manufacturer, every retailer, every street and road contractor," says Gina Jones, associate vice president and director of the environmental sector of excellence at Burns and Wilcox. "Every business deals with supplies and substances that, out of their normal element, can be construed as a pollutant."

A growing recognition of these exposures, in addition to increased lending activity associated with an uptick in construction, are helping drive greater demand for Environmental cover. "Banks are lending on construction projects, and they're asking for site pollution coverage to be in place," says Jones.

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