While many insureds focus primarily on securing coverage for the liability associated with their products, that's not enough. Agents and brokers also need to make sure there is pollution coverage for manufactured products. (Erickson/Adobe Stock) While many insureds focus primarily on securing coverage for the liability associated with their products, that’s not enough. Agents and brokers also need to make sure there is pollution coverage for manufactured products. (Erickson/Adobe Stock)

While environmental insurance isn’t always top of mind, environmental issues are a fundamental economic and reputational risk for businesses across all industry sectors. A complex, continuously changing regulatory landscape and increased societal pressure for corporate social responsibility require businesses to adopt defensive postures and programs. Agents and brokers must assist clients in managing these exposures and ensuring that they are protected in the event of a loss.

Products manufacturing and distribution is one of the most common liability placements in the E&S sector. In that space, the E&S market regularly sees products such as industrial coatings fertilizers and component parts like pumps and valves.

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