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The surplus lines market plays a critical role in the insurance ecosystem by providing coverage for hard-to-place and specialized risks. For WSIA’s 2020 Annual Virtual Marketplace from September 10-17, read up on the unique lines and market trends impacting the specialty and E&S industry.

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Risk needs to be assessed on an ongoing basis. Each time a company adds or even modifies a product or service, a fresh risk is added to the business. (Photo: Shutterstock) Risk needs to be assessed on an ongoing basis. Each time a company adds or even modifies a product or service, a fresh risk is added to the business. (Photo: Shutterstock)

The CEO and board of directors of a large chemical manufacturer know its pollution-related risks and undoubtedly have the required pollution and D&O insurance to cover the company’s exposures. Pollution liability is a key component of risk management at such companies. At smaller companies and nonmanufacturing firms, however, pollution-related exposures may be an afterthought if they’re a thought at all. And yet, these directors and officers face myriad pollution-related risks that they may be held liable for. Consider these examples:

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