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Helping protect what matters—on site and beyond.
Environmental incidents don’t just impact the ground beneath you—they can damage your reputation, disrupt operations and lead to costly third-party claims. Whether it’s a leak, spill or long-term contamination issue, the risks are real and so are the consequences.
Environmental protection that goes beyond the surface.
Markel’s site pollution and environmental coverage (SPEC) is built to help businesses manage these risks with confidence. With over 25 years of experience, our flexible coverage is designed to protect property owners and operators from the financial and social fallout of hazardous pollution events, so you can focus on your business, knowing you're backed by a trusted environmental insurance partner.
Why do you need site pollution and environmental insurance?
Environmental incidents, like spills, leaks or contamination, can lead to costly cleanup, legal challenges and lasting reputational damage. Site pollution and environmental insurance can help protect your business from these risks, covering both current and past pollution events. For companies that own or operate properties, this coverage is essential to help maintain compliance, safeguard financial stability and provide reliable reassurance.
What we offer
Markel offers site pollution and environmental coverage for many different types of businesses, including but not limited to:
- Manufacturing
- Industrial
- Real estate
- Farm and agricultural
- Healthcare
- Hospitality
- Landfills
- Public entities
- Retail
- Energy, oil and gas
- Cleantech and renewables
- Habitational
Markel offers tailored environmental coverage to help site owners and tenants manage the unique risks they face. Coverage can be structured around your operations, with options that include cleanup costs, bodily injury, property damage, legal defense, natural resource damages, mold, non-owned disposal sites (NODS) and transportation-related pollution liability. Some coverages available include*:
Total site environmental liability
Helps protect businesses against third-party claims for bodily injury, property damage or personal injury—including those related to pollution exposures—while also covering cleanup costs for both new and pre-existing conditions, on and off-site.
Products pollution liability
Helps protect against pollution-related claims caused by a product after it’s been sold, delivered or installed.
Transportation pollution liability
Can provide coverage for pollution events that occur during the transport of materials, whether handled by the insured or a third-party carrier. Includes both first- and third-party operations, covering spills, leaks, or other environmental releases during loading, transit, or unloading.
Non-owned disposal sites (blanket coverage with broad definition)
Helps protect your business from environmental risks linked to disposal sites you don’t own but have used. It applies broadly to multiple sites all at once, without listing each site separately, helping you manage your risk more easily.
Business interruption expense
Business interruption expense coverage reimburses lost income and additional expenses if a pollution event at—or migrating from—a covered site disrupts your operations. This coverage applies when the pollution incident triggers cleanup costs and meets policy conditions, helping your business recover financially while you restore operations.
*Coverages offered vary and may not be available to all risks.
Insurance built on experience—and designed for you
Backed by more than 25 years of environmental insurance experience, Markel offers flexible, menu-driven insuring agreements that can stand alone or be bundled with other environmental products, giving you the freedom to build coverage around your unique needs.
Long-term, scalable protection
Markel’s environmental insurance solutions are built for the long haul, with multi-year terms available for up to 10 years and flexible options for primary or additional capacity on unsupported excess placements. Designed to scale with your business, our coverage supports mergers, acquisitions, redevelopment projects and global operations—wherever opportunity leads.
Access to in-house specialists
Our Risk Solution Services team understands the complexities of environmental exposures and provides tools to help assess and manage risk. Policyholders also get 24/7 access to our app, connecting them to 3,000+ qualified spill-center contractors for fast, effective support—anytime, anywhere.
Dedicated and responsive claims team
Markel’s environmental claims team combines industry knowledge with a people-first approach. Our team is empowered to act quickly and confidently, providing dependable support when it matters most.
We're here to help you protect your business and its future.
For over 25 years, Markel has been a trusted partner in the environmental industry—delivering innovative insurance solutions, proactive risk management, responsive claims service and exceptional customer support. Ready to take the next step? Contact us today to learn more.
Related products
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Contractors pollution liability
Helps protect against environmental hazards and can be easily packaged with other Markel products for efficient, flexible coverage.
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Environmental general liability
Helps protect businesses against third-party claims for bodily injury, property damage or cleanup costs resulting from pollution-related incidents.
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Contractors pollution and professional liability
Tailored for environmental professionals, this coverage helps protect against claims from services like consulting, remediation and site assessments—including errors, omissions and misrepresentation.