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Welcome to Martin Insurance Services. A professional solution for all your insurance needs

Environmental Insurance

Environmental Insurance can provide a vehicle for effective remedy of historic, existing contamination, or potential pollution situations.

As a resource, land values and interest can be affected by:

  • Site being contaminated

  • The previous use of the site which may mean it is contaminated

  • The site is in an area of contamination

  • Surrounding areas may be contaminated that may affect the site

There is no protection behind "polluter pays". As the owner of a site you can be held liable for the clean-up cost. The owner(s) will need to protect themselves by either purchasing cover before purchase or on the land that is owned to prevent clean-up costs.


Ignorance of pollution issues to property owners, developers and industry can be dangerous and very expensive. Dealing with environmental insurance is complicated as it can end up as being part insurance and part contract warranties and conditions - this has been especially apparent with the number of mergers and acquisitions which have meant that land has been transferred and any pollution clean-up costs have had to form part of the Transfer Agreements. In addition to:

  • Third Party claims for property damage and injury

  • Clean-up costs

  • Defence of legal action(s) and investigation(s)

insurance can be tailored to provide protection, i.e:

  • Cost cap protection (stop loss) - provides additional cost in the event that the clean-up costs over-run

  • Creditors' protection - to provide protection against loans and repayment of the loan or the clean-up costs

  • Full property protection - to provide owners' developers' interests, including pensions, for the total property portfolio, for existing or operational pollution risks

All at competitive prices. email us for more informartion



I worked with Martin Insurance Services in 2010 to arrange personal indemnity cover for my business, Sirenia Press Solutions, and can thoroughly recommend the service received from Ian Martin and his colleagues.

Ian talked through the options, provided prompt and competitive quotes, and took away the time-consuming 'leg work' from sourcing insurance companies.

I would recommend the company's personal, efficient service to anyone.


Kathy Carter
Sirenia Press Solutions