Take out your insurance policy through a broker or with an insurance company
How can you take out your Environmental Liability Insurance?
If you wish to take out an insurance policy, you have two options to choose from:
- Through your broker.
- If you prefer, directly with the insurance companies or partner entities we work with.
Company staff can provide you with the most appropriate application questionnaires for your specific needs. They will also offer accurate information in order to process the documentation required in each case.
What is the process to take out insurance?
Your broker or insurance company will guide you through this process, outlining the necessary steps at each stage.
RISK ANALYSIS
RISK ANALYSIS
QUESTIONNAIRES 
After selecting the insurance company or broker, we will submit the initial information through the application questionnaire.
In most cases, completing this questionnaire and supplying the requested information will suffice to secure an insurance coverage offer from the company.
MODELOS DE CUESTIONARIOS
To ensure maximum efficiency with minimal effort, it is crucial to use the questionnaire that best matches each facility.
Application questionnaire forms for the most characteristic industrial facilities.
General form for facilities without a specific questionnaire.
INSPECTION VISIT 
Depending on the type of activity to be insured, an inspector’s visit may be necessary for the risk assessment.
In most cases, this visit can be made once the insurance is taken out. The inspector will already have the information from the questionnaire and any other details provided by the person in charge of the facility.
COORDINATING THE VISIT
The insurance company will inform you about any visits and help coordinate them.
Those companies that have completed an assessment of their environmental risk, as per the Environmental Liability Regulation, already have an analysis that can be used in the insurer’s assessment, making a new assessment unnecessary.
INSURANCE
OFFER
- The insurer has all the necessary information.
- If the risk is acceptable, it formally prepares an insurance offer or quote.
- Most quotes can be provided directly by partner companies without having to check first with the Pool.
FORMALISING
THE POLICY
- When the client accepts the offer, the insurance company:
– Issues the policy.
– Issues the initial receipt.
– Where appropriate, carries out any subsequent renewals. - The content of the coverage will not vary, regardless of the Pool member company the policy is taken out with.
- When the client accepts the offer, the insurance company:
– Issues the policy.
– Issues the initial receipt.
– Where appropriate, carries out any subsequent renewals. - The content of the coverage will not vary, regardless of the Pool member company the policy is taken out with.
FORMALISING
THE POLICY
TERM
By its nature, the insurance has a time-limited validity that coincides with the term of the contract;
the claims included within this period are those that are covered by the coverage. In such cases, it must be remembered that:
The claim date is the date on which the contamination was first discovered.
The guarantee is retroactive, i.e. it covers incidents and damage that were not known until after the policy was initiated, even if they occurred earlier. In certain cases, and circumstances, the retroactivity period may be limited or eliminated.
There is a period of three years after the policy is cancelled to receive claims for incidents within the coverage period.