Mosaic Insurance, a global specialty insurer, has introduced a combined environmental product that integrates primary commercial general liability with pollution and professional coverage.
The new Site Pollution & General Liability (SGL) form was developed to address market demand for comprehensive liability protection, according to Insurance Business Mag.
It offers both primary and excess coverage with $25m in excess capacity, catering to retail and wholesale brokers.
The policy is designed to provide general liability, environmental liability, and professional liability under a single worldwide coverage form, which can be tailored to meet an insured’s specific requirements.
Mosaic Insurance specialises in providing specialty lines of insurance globally, with underwriting expertise across various sectors. The company operates through its Lloyd’s Syndicate 1609 and collaborates with nearly 30 insurers worldwide, offering a diverse range of products including political violence, transactional liability, cyber, political risk, financial institutions, and professional liability.
The SGL coverage is designed to bridge gaps commonly found in traditional insurance placements. It provides coverage across multiple sectors, including manufacturing, processing, product distribution, and environmental consulting, ensuring comprehensive protection against various environmental and operational risks.
One of the standout features of the policy is its competitive edge against standard casualty placements. The SGL form includes worldwide protection for products, pollution incidents arising from an insured’s operations, and coverage for non-owned locations and transportation.
Mosaic’s team of 20 environmental specialists, based in London and the US, plays a pivotal role in delivering tailored solutions. The company’s environmental policies offer coverage across industries such as fixed-site operations, construction, and manufacturing, and continue to evolve to address emerging risks in the sector.
“This builds towards our continuing goal to be the top, most trusted environmental carrier,” Mosaic Insurance global head of environmental liability Jim Finnamore said.
“These solutions comprehensively cover premises, operational, product, pollution and professional exposures,” Mosaic’s head of US, environmental liability Karen Reilly said. “Our market-leading underwriting and claims teams are ready to provide the most comprehensive and creative solutions for our broker partners and clients.”
Mosaic Insurance SVP of environmental liability Rob Stedman, who oversees the SGL product, added: “We are extremely excited for this next chapter in the expansion of our environmental liability product offering.”
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