G5 Insurance Agency proudly offers pollution insurance in New York, New Jersey, and Pennsylvania. Call 845-842-1226 to learn more or get a quote.
Farmers are the lifeblood of America, but both traditional and modern farming techniques carry risks to the environment. At one time, traditional farming insurance covered environmental hazards, but today, most standard policies exclude pollution. Shrinking coverage and increasing litigation mean that all farmers and agricultural businesses today should consider adding pollution insurance.
Typical Pollution Risks
Each policy is unique, so it is vital to read the fine print and ask plenty of questions. In general, though, pollution insurance covers these common risks:
- Groundwater contamination
- Surface water contamination
- Crop overspray
- Reduction of neighboring property values
- Public nuisance
- Operating or participating in manure digesters
- Damage to natural resources
- Bodily injury from exposure to bacteria
- Groundwater remediation
- Fuel storage tanks
- Fertilizer spills or releases
- Custom farming operations
- Transportation risks
- Storage of pesticides and herbicides
Typical Pollution Coverage
Again, check the fine print on your policy. In most cases, though, pollution insurance offers these coverages:
- Bodily injury
- Property damage
- Clean up and remediation, including off-site
- Legal defense
Older Insurance Policies
If you have an older environmental insurance policy, make sure it truly fits your needs. Many older policies were designed to protect heavy industry against accidental contaminations such as oil spills. Activities such as spreading manure are a vital part of farming operations, not accidents, and may not be covered under an older, more general policy.
Farming is the backbone of America, but many farming activities are potentially dangerous to the environment. To mitigate your risks while ensuring that you can continue to optimize your operations, consider purchasing separate pollution insurance. Your general farming insurance policy or older environmental insurance policy may not be there for you when you need it most.
Call 845-842-1226 to learn more or get a quote.
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