1. Provide exact coverage to match occupational exposures. Why?

Environmental Insurance is our area of specialisation and we stand our ground on our advice, claims of performance and prescribed products. 

2. Do not use disclaimers.  Why?

We have no doubt about the performance of our products. We have professional indemnity insurance in place  to cover our pollution and environmental liabilities.

3. Pick up claims currently unknown  that would have been excluded under another policy of insurance. Why?

We do not like to see our environmental practitioners left without cover. The sustainability of an environmental practice is at risk of recovery without insurance.

4. Arrange Intellectual Property  cover as an option if registered with IP Australia. Why?

Some environmental Engineers have secret methods of service delivery and may wish to protect the processes.  

5. Give professional advice on all  claims related circumstances and work in conjunction with our solicitors. Why?

We wish to see consistent outcomes develop and improve the performance of EnviroSure.

6. Do not charge any costs to  access Senior Counsel to dispute claims decisions. Why?

Our clients need to have  access to the best officers of the court to settle matters swiftly and fairly when a dispute arises on a claim.

7. Endorsed our policy to include Defence for all Fines, Penalties and Punitive Damages. Why?

Only EnviroSure will  initially defend your environmental business for the advice provided which may  result in a fine or penalty being issued (In NSW alone, the maximum fine for an Insured’s first offence is $550,000, VIC: $250,000 and QLD: $750,000). N.B. Should a conviction be successful, due to a wilful and negligent act, up to all court expenses may need to be clawed back.

8. Provide XS Funding. Why?

Because excess payments  may not always be affordable at the time that they are called.

9. Utilise insurance contracts to implement and enforce the advocacy of protocols to defend, protect and implement remediation of environment. Why?

We are aware of certain circumstances and events where the public has incurred financial loss, intimidation, personal hardship and cancer as a result of Pollution Exclusions. That is, without cover a SRoH (Significant Risk of Harm) is created.

10. Cover  all contracted entities. Why?

To protect our clients from uninsured losses and lift the awareness of the need to insure. Contracted entities themselves need to have their own insurance to protect their “principals’” no claims records.

11. Cover all bodily injury, property damage and loss of use of property. Why?

So that our cover dovetails in with our client’s Public Liability Insurance. And, so that we never experience another “Coramba”.