Real Estate Lenders Policy (Environmental) - North America
XL Catlin covers mortgage impairment, third-party bodily injury, property damage and legal expenses resulting from sudden and gradual pollution conditions to lenders who hold title, operating interest or contingent ownership of property.

To learn more, please visit Environmental Insurance

Product details


Claims-made: USD 50 million


Covers on- and offsite pollution conditions

Client Profiles

Financial lending institutions

Typical Information Required

– XL Group application
– Loan documentation 
– Available environmental site assessments (e.g., Phase I or II reports)
– Pollution loss history 
– Two years financial statements for both lender and borrower

Benefits & Services

– Integrated underwriting, risk consulting and claims handling
– Professionals with average 15+ years environmental/insurance experience 
– Global solutions for multinational accounts
– Specialized in-house risk control consultants and claims handling
– Emergency response services available 24/7 for North America
– 25+ years in specialized environmental insurance market

Information & Research

Information and Research

Attachment Point

Primary or NA

Minimum Premium

USD 25,000

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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