Pollution Insurance  

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
  •         Odors
  •         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.

It is a pleasure doing business with Eric Goldstein. Eric is knowledgeable in all aspects of the insurance industry and he works tirelessly to get us the best possible coverage, while looking to help save us money. Eric would even offer us new types of insurances that we never thought of, upon renewal; like Cyber insurance, to make sure that our company was protected completely as his client.

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We have worked with Eric for 10+ years and even being out of state we always felt we were a priority and our insurance needs were handled in a professional manner.

Pegeen Luther, Natrel Comm.

We have used Eric Goldstein for our business insurance needs for the past ten years and just recently moved all of our personal insurance to him as well. During that time he has been professional, very approachable and always knowledgeable about the business, ensuring we get the best rates and products available.  He and his staff are extremely easy to work with and always get you what you need in a timely manner.

Julie Wittenberg, COO

I have had the pleasure of working with Eric for my vehicle insurance for a few years now, after a nightmare with my last broker, Eric swooped in, took over my account and put my mind at ease. Eric put in time and consideration when looking for a policy that fit my needs and my wallet. I highly recommend Eric, he is not only personable but also very business savvy.

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Person paragliding over water

I have worked with Eric for more then a decade.  Every interaction is easy, simple and informative.  When I have had to file a claim Eric is there to assist and then to follow up directly.  Effectively, all of the headaches that accompany buying, needing or filing insurance claims are eliminated because of Eric.  I would highly recommend to anyone to utilize his services!

Adam Hait, President at Schraft's 2.0

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