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Premises Environmental Coverage

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Benefits of the Program

PHLY's Premises Environmental Coverage (PEC) protects insureds from claims for bodily injury and property damage, and from remediation expenses associated with the release of contaminants into the environment. PHLY will consider any class of business for this coverage including: agriculture, manufacturing, healthcare, habitational, chemical, Brownfields development, municipal and other risks.

  • Remediation coverage on and off site (discovery and 3rd party triggers)
  • Third Party Bodily Injury and Property Damage
  • Image Restoration
  • Emergency Expense
  • Illicit Abandonment
  • Clean-up to "Environmental Professional" Standard
  • Business Interruption
  • Storage Tanks (less than 25 years old)
  • Mold
  • Transportation
  • Non-owned Location coverage (for disposal sites)

Quick Reference Guides

Claim Scenarios


Please select state specific forms when applicable.

Supplemental Applications

Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed, signed, and dated PEC application
  • Any site surveys that have been performed at the insured location(s)
  • Currently valued insurance company loss runs for the current policy period plus four prior years for all Environmental, Property, Auto, and GL coverage
  • Two years of audited Financials and Interim Financials

Policy Forms

Please select state specific forms when applicable.

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