There is considerable confusion in the market at the moment surrounding the level and extent
of environmental liability cover available under most farm combined policies. Most
insurance providers are offering the following:

• Statutory enforcement costs following a sudden and identifiable incident of pollution up to a
limit of indemnity of between £500,000 and £2 million

• Clean up costs for the Insured’s own land up to a limit of indemnity not in excess of £25,000
At BIBU we believe that this level of cover is not sufficient for your farming clients.
Farmers and property owners can now quite easily be liable for considerable costs following
a prosecution under environmental law and as a consequence their businesses or even their
livelihoods may be under threat. BIBU have therefore developed a new environmental
liability product that can be purchased by you to indemnify your clients for the very real and
substantive risks that they face. This new policy provides the following:

• Cover for third party personal injury and property costs up to a £1 million limit of indemnity
following a pollution incident (including gradual pollution)

• Cover for clean up costs up to a £1 million limit of indemnity following a pollution incident
(including gradual pollution and for cleaning up the Insured’s own land)

• Cover for making good land following fly tipping up to a £1 million limit of indemnity

• Remedial action costs following natural resource damage if prosecuted under the
environmental liability directive – this may mean considerable expenses in setting up an
alternative natural habit for flora and fauna on a third party site following an incident of
pollution in a protected area

• Legal expenses connected with a prosecution under the environmental liability directive

The items in red are covers that may well be unavailable to your clients under their current
insurance arrangements.

This policy is underwritten by XL Insurance on a “claims made” basis.

To make it as easy as possible for you there are a suite of documents that are pertinent to the
new policy that can be accessed by clicking the appropriate link below

BIB ELD Quotation Request

BIB ELD Policy Wording

LBU Farm Environmental Policy Summary

Guide to Environmental impairment Liability

James Leathley (ACII)
Product Development Manager
01325 254412