Massachusetts Pollution Insurance

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Massachusetts Pollution Insurance Policy Information

MA Pollution Insurance

Massachusetts Pollution Insurance. With today's increased awareness of environmental issues, it is important to protect your business and those around you from the pollution risks associated with your operations. Massachusetts pollution insurance covers all costs related to pollution-related claims. This includes the costs of cleaning and restoring your property and liability for injuries caused by pollution.

Pollution insurance covers property owners, construction companies and various other contractors and entities in cases of environmental pollution and the problems it can cause to persons, to properties and to the environment. MA property owners need this insurance to protect their land, structures and other fixed facilities, while contracting companies will need contractor's pollution insurance to protect against damages and injuries that may occur during operations.

Massachusetts pollution insurance protects your company from lawsuits related to pollution with rates as low as $107/mo. Get a fast quote and your certificate of insurance now.

Pollution Insurance Basics

It is important to be able to differentiate between first party coverage and third party coverage when evaluating environmental impairment liability insurance.

First-party coverage: Provides you with funding if you have a spill or contamination that needs cleanup. This might be necessary if any chemical used in your business leaks into the ground on your property. Your first-party Massachusetts pollution insurance policy would fund the cleanup effort.

Third-party coverage: Protects businesses from the release of pollutants that can adversely affect others. For example, in case there was a leak at your plant and toxins were released into the air in the surrounding community requiring residents to evacuate, your third-party coverage could provide the necessary funds to pay the resulting costs and damages from lawsuits.

Major Types Of Pollution Insurance

Long-Term Pollution Insurance - Covers pollution that happens gradually over a long period of time, such as leaching out. Industries affected by long-term pollution can include gas stations, mining and factories.

Sudden & Accidental Pollution Insurance - Covers pollution happening over a brief period of time or all at once. This can refer to anything from a sudden explosion to a breakdown of holding tanks or equipment.

Contractors Pollution Liability Insurance - Contractors' pollution liability policies are designed to provide MA contractors with coverage for bodily injuries or property damage to third parties caused by the following environmental liabilities:

  • Construction or remediation operations whether performed by you or subcontractor(s).
  • Claims alleging improper supervision of subcontractors.

Site-Specific Liability Insurance - For property not owned by a policyholder, such as a waste disposal site, site-specific Massachusetts pollution insurance is available. This type of insurance can also be beneficial to companies that regularly buy and sell property as part of their business, or companies involved in a merger or acquisition.

Who Needs Pollution Insurance?

Massachusetts pollution insurance isn't just for radioactive waste depositories and oil industry giants. Even the most benign business poses the risk of emitting, storing or producing hazardous waste materials. Apartment complexes, airports, farms, auto service, dry cleaners, amusement parks and prisons are just some of the businesses that need MA pollution insurance coverage.

How Can Pollution Liability Insurance Protect My Business?

Standard business liability insurance often excludes loss caused by pollution, or only provides cover in limited circumstances. Pollution Insurance coverage can help fill this gap by covering:

  • The costs of complying with a clean-up order by a regulator.
  • On-site damage to your own property.
  • Environmental clean-up of other peoples properties.
  • Decontamination of your property following a fire, flood or storm.
  • Damage caused by contaminated run-off or escape following an on-site fire.
  • Loss or damage associated with gradual pollution events, such as groundwater contamination caused by pipeline leakage or underground storage tanks.
  • Cost of collection, transport, treatment or disposal of contaminated fire water.

Is Pollution Insurance Coverage Expensive?

The cost for Massachusetts pollution insurance coverage will differ significantly from one business to the next. A business that uses a lot of hazardous chemicals will have higher premiums than one that uses only a few. Some factors that influence costs include:

  • The type of business being insured.
  • The type of chemicals and hazardous materials used.
  • The disposal method of hazardous waste.
  • The proximity of the business to residential neighborhoods.

MA Pollution Insurance

Pollution can cause wide ranging and long lasting damages to the water, air, soil, and people around your premises. If your business handles chemicals or any other hazardous material, you might be held accountable for expensive clean up, restoration and injury costs. For that reason, you should consider getting pollution liability insurance coverage. You will not only be alleviating costs to your company, but you will also be doing your part in protecting the environment.

Massachusetts Economic Data, Regulations And Limits On Commercial Insurance

Made In Massachusetts

If you are thinking about starting a business in the Massachusetts, it's important that you have an understanding of the economic trends and commercial insurance requirements in the state before you set up shop.

Economic trends are important, as they indicate whether or not the area offers a strong economy that will be able to support your business. You also need to know what type of commercial insurance you'll need to carry so that you can plan accordingly and ensure that you are complaint with the law.

To help you determine if the Bay State is the right location for the business you are thinking about opening, below, you'll find an overview of MA's current economic trends, as well as the types of insurance policies you'll need to carry.

Economic Trends For Business Owners In Massachusetts

Unemployment rate is a good indicator of a state's economy. The lower the rate, the more job opportunities there are, which is direct reflection of the health of businesses.

As per the Bureau of Labor Statistics, the unemployment rate in Massachusetts was 2.8% in December, 2019. That's 0.7% lower than the national average, which was 3.5% in December, 2019. This indicates that the state offers a strong workforce and that there are enough jobs to support the residents of the state.

While regions throughout the area are seeing business growth, there are certain areas in particular that are seeing more growth than others. This includes large metropolitan areas and the regions that surround them, including:

  • Boston
  • Brockton
  • Cambridge
  • Lowell
  • New Bedford
  • Newton
  • Quincy
  • Springfield
  • Worcester

Several industries are doing very well in the state of Massachusetts; however, there are particular sectors that are seeing more growth than others and are truly thriving in this part of the country. These industries include:

  • Advanced manufacturing
  • Commercial fishing
  • Education
  • Financial services
  • Hospitality tourism
  • Information technology
  • Medicine and life sciences

If you are thinking about starting a business in any of these industries, chances are good that you will find the success you are looking for in the state of Massachusetts.

Commercial Insurance Requirements In Massachusetts

The Massachusetts Division of Insurance regulates insurance in MA. Massachusetts mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Massachusetts requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors, but employees in domestic service must be covered if they work at least 16 hours a week.

Massachusetts also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Additional Resources For Miscellaneous & Non-Profit Insurance

Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.


Miscellaneous Business Insurance

An insurance contract is an agreement where one party obligates itself to make good the financial loss or damage sustained by a second party when a designated event occurs. The event must be fortuitous and happen by accident. The named insured must have insurable interest at the time of loss. One final point is that in order for any contract to be considered insurance, there must be a risk of loss.

Fortuitous Event - An occurrence largely beyond the control of any involved party; happening by chance; accidental; for example: fire, lightning, windstorm, explosion or flood.

Insurable Interest - In order to recover from a loss to property, the holder must have an insurable interest in the property at the time of the event or occurrence. An insurable interest is any right, title or interest in property where the holder of that right, title or interest sustains financial loss if the property is damaged or destroyed. Any lawful and substantial economic interest in the safety or preservation of the property from loss, destruction or damage also constitutes an insurable interest.

An entity does not have to be the property owner to have an insurable interest in it. Examples include, but are not limited to, mortgagees, trustees, vendors, lessees and bailees. Insurable interest for any entity must exist at the time the loss occurs.

Risk Of Loss - If property could never be destroyed, there is no risk of loss. If property must necessarily disintegrate or be destroyed, there is no risk of loss. Between these two extremes is the exposure of risk that can be insured.


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Also find Massachusetts insurance agents & brokers and learn about Massachusetts small business insurance requirements for general liability, business property, commercial auto & workers compensation including MA business insurance costs. Call us (617) 902-0099.

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