Environmental liability and environmental damage

HDI environmental liability insurance provides global cover in accordance with regulatory requirements.

Scope of services at a glance

Environmental liability insurance and environmental damage insurance

HDI’s environmental liability insurance and environmental damage insurance are designed as modular solutions, providing specific insurance cover in all environmentally relevant areas. The product covers:

  • Official claims for damages and clean-up injunctions for remediation of the damaged protected species, natural habitats, water and land (primary, complementary and compensatory remediation)
  • Defense and investigation costs for covered environmental damage
  • Cost of measures to prevent or minimize otherwise unavoidable environmental damage


Systematic analysis and assessment of environmental risks

Employment of a risk management system to analyse and assess operational environmental risks and environmental damage, based on statutory environmental liability.

More risk transparency for damage prevention

HDI assists policyholders by highlighting operational risks.

Development of risk index for environmental impact

HDI has developed indices for emissions from industrial premises and the risk of impact on the environment in collaboration with leading scientists. Linking these indices enables the specific risk potential of industrial premises to be ascertained.

Liability risk management

The mix of various instruments

Risk tools

Sector-specific tools and expert systems enable us to perform systematic risk analysis. Continuous market observation, a wide range of claims experience and sector expertise built up over the course of decades lay the foundations for the risk assessment standards to which we work.

Network of experts
In complex risk situations we use our in-house and external experts. Hands-on specialists from most scientific and research disciplines work with the client to examine their specific risks.