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Comprehensive Environmental Insurance by Sargent Insurance Agency

Protecting Your Business in Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Environmental Insurance Provided By Our Agency

In today's world, businesses face increased risks from environmental liabilities that are often not covered by standard liability and property insurance. At Sargent Insurance Agency, we can help identify your ecological liability and offer solutions to mitigate exposures and close coverage gaps.

Understanding Environmental Insurance

Environmental insurance, also known as pollution insurance or pollution coverage, safeguards against financial losses resulting from unexpected pollutant releases not typically covered by conventional liability and property insurance policies. This insurance covers losses or damages arising from bodily injury, property damage, cleanup costs, and business interruption.

Coverage Scope of Environmental Insurance

A detailed coverage agreement covering damages resulting from the release or escape of contaminants is a necessary component of true environmental insurance. At a minimum, this coverage applies to:

  • Bodily Injury: Covers physical harm to individuals, often enhancing the definition used in general liability (GL) policies.
  • Property Damage: Covers damage to property, often enhancing the GL policy's definition.
  • Cleanup Costs: Covers expenses required by environmental laws, with possible enhancements depending on the business class.
  • Defense Costs: Traditionally included within the liability limit, covering legal defense expenses.

Optional Coverages for Enhanced Protection

  • Non-owned waste disposal sites
  • Transportation of pollutants as cargo
  • Business interruption
  • Loss of rents
  • Extra expenses
  • Reputational damage
  • Midnight dumping on insured locations
  • Coverage for fungi/bacteria as defined pollutants
  • Amended definitions of cleanup costs for non-hazardous contaminants

Optional Coverages for Enhanced Protection

While property damage, libel, slander, and bodily harm claims are all covered by general liability insurance, they do not cover scenarios where your business unintentionally exposes customers or the environment to pollutants. Pollution-related incidents can incur significant ethical, legal, and financial costs. Environmental insurance shields your company from the high expenses of cleanups, lawsuits, and other pollution-related costs.

Commercial insurance has evolved over the past forty years, shifting pollution coverage from standard GL policies to specialized environmental liability policies. This change reflects growing environmental awareness and a better understanding of potential exposures. To learn more about how environmental insurance can benefit your business in Arkansas, contact Sargent Insurance Agency today.

Already have Environmental Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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