INDIVIDUALS AND
SELF-EMPLOYED PERSONS

Individuals and Self-Employed Persons | PERM

Bespoke insurance so Individuals and Self-Employed Persons can live and work responsibly.

Our insurance policies are tailored for individuals or self-employed persons with specific, unique requirements in their daily life or activity.

Our expert team will help you with any questions about Environmental Liability Insurance, as well as any additional insurance or guarantees.

Our brokerage professionals are on hand to offer insurance after an initial consultation, clearing up any doubts.

Bespoke insurance so Individuals and Self-Employed | PERM

Because YOU ARE an involved party

Environmental liability is NOT civil liability.
Civil Liability insurance does NOT COVER environmental liability.

Contamination liability is often excluded from general liability insurance.

Therefore, with few exceptions, Environmental Liability Insurance generally
includes another complementary insurance for civil liability for third-party damage due to contamination.
This is the case for virtually all insurance managed by the Pool.

Do you recognise yourself as a private individual or self-employed person?

Do you recognise yourself as a private individual or self-employed person? | PERM

The Environmental Risks Pool opens the door to the advantages of environmental risk insurance

ADVANTAGES

It´sthe only irecognised instrument through which risk is transferred

It alone extends coverage for two to three years after cancellation.

It offers guaranteed sums that are hard to obtain elsewhere and invariably incur significant financial costs, even when using your own funds

AND, ABOVE ALL:

It offers a claim resolution service, supporting the insured throughout the process of repairing the environmental damage.

No room for DOUBT

At the Spanish Environmental Risks Pool, we offer an FAQ with the clearest, most precise answers.

WHEN AM I LIABLE?

When I cause environmental damage or pose a threat to the environment

CAN THERE BE OTHER LIABLE PARTIES?

The economic operator is always held liable.

AM I LIABLE IF THE DAMAGE HAPPENED YEARS AGO?

According to the Environmental Liability Act, this applies only to damage occurring after it has come into effect, although others, such as the Soil Law, also exist.

HOW LONG IS THE LIMITATION PERIOD FOR A CLAIM FOR DAMAGE AGAINST ME?

Liability lapses after 30 years.

WHAT AM I OBLIGATED TO DO IF I AM ENVIRONMENTALLY LIABLE?

To repair the damage and return the environment to its condition immediately prior to the event

WHAT SHOULD I DO IF I HAVE A CLAIM?

Inform my insurer immediately; in such incidents, time significantly affects both environmental and economic outcomes.

Our specialists will answer all your questions

If you are an involved party needing clarification around insurance for your activity, please contact us for a no-obligation consultation.

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