Target Sector Intelligence
Tailored risk profiles for industries facing the highest environmental scrutiny and regulatory pressure.
Fertilizer runoff and groundwater contamination represent 65% of undisclosed sector liability.
Sediment control and hazardous waste disposal on brownfield sites remain primary litigation triggers.
Subsurface fuel leaks and improper chemical storage pose long-term remediation risks.
Air emission compliance and PFAS liability are increasing regulatory focal points.
The Protection Gap
GL / BOP Exclusions
Standard General Liability policies exclude pollution events via the Absolute Pollution Exclusion, leaving 90% of SMEs exposed to sudden and gradual loss scenarios.
Exposure Quantification
EnviroRisk maps sector-specific financial vulnerability using regulatory data, historical claim benchmarks, and CAT risk overlays from Swiss Re and FEMA.
CERCLA Retroactive Liability
Superfund imposes strict, joint-and-several liability on current property owners regardless of when contamination occurred or who caused it.
2024 EPA PFAS Rule
EPA designated PFOA and PFOS as CERCLA hazardous substances in April 2024, creating retroactive Superfund exposure for farms, manufacturers, and restaurants.
SOURCE: Swiss Re sigma 1/2025 · 2024 global disaster economic losses