When thinking of environmental insurance, the usual suspects come to mind: companies that handle large volumes of toxic materials and firms involved in waste management. But recent natural and man-made disasters have led to significant environmental consequences for unprepared companies of all sizes and industries—construction, higher education, hospitality, technology, retail, life sciences, pharmaceutical, telecommunications, agriculture, and more. No wonder more business owners today are rethinking the need for environmental impairment liability (EIL) coverage.

Here are four important reasons why businesses of all sizes and classes are potentially at risk.

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