With Envirosure, You Don’t Just Get a Policy—You Get a Plan

Envirosure Underwriting Managers is a South African-based specialist underwriting firm specialising in environmental impairment insurance. Envirosure, established in 2008, provides comprehensive coverage that covers the costs of clean-up and rehabilitation following environmental events, such as spills or contamination, throughout Africa south of the equator.

What products does Envirosure have to offer?

• Transport Clean-up Policy: Designed for transporters of hazardous commodities and possible pollutants, this policy covers the significant expenses of contamination and restoration following an environmental incident.
• Site Cleanup Policy: This policy addresses environmental incidents that result from the storage of fuels, chemicals, and other possible pollutants, including above ground and underground storage tanks, silos, and warehousing.
• Spill Protection Plan™: A complete environmental impairment management solution that offers expert advice on risk assessment, timely reaction to environmental issues, and aid with legal and claims processes.

Is it important to have insurance coverage for environmental liability?
Whether storing fuels, chemicals, or other contaminants, property owners and tenants face a distinct set of environmental dangers. Spills or pollution can have serious financial, legal, and reputational ramifications. Noncompliance with the National Environmental Management Act (NEMA) can result in not just devastating fines and remedial expenses, but also probable jail time.

Section 28 of the NEMA establishes a clear duty of care on anybody who creates or may cause severe pollution to take reasonable steps to prevent, mitigate, and correct the damage.

Section 30 enhances this commitment by mandating the timely reporting of environmental issues as well as full compliance with competent authorities’ directions. Clients who are unprepared for such events run the risk of worsening the problem. Delayed or inappropriate answers can exponentially increase claim costs and harm long-term business opportunities.

Do you need Envirosure?

Did you know that there are everyday household products that carry unexpected risks? One of the most neglected aspects in environmental risk management is that harmful chemicals and fuels are not the only sources of environmental harm. When significant amounts of sugar, maize, syrup, sand, cooking oil, calf feed, or even pure water are spilled, they can pose an environmental risk, particularly near stormwater drains, wetlands, or towns.

Here’s why:

• These materials can clog and pollute natural water systems, harming aquatic life and public health.
• Deplete oxygen levels in aquatic bodies (particularly sugars and oils), resulting in fish deaths and eutrophication.
• Cause road and infrastructure damage, resulting in additional spill issues and third-party claims.

Transporters of such items are frequently unaware that they could be held responsible for cleanup and restoration costs under environmental legislation. However, ignorance is not a defence. NEMA does not differentiate between product categories, only their environmental impact.

This is where Envirosure’s Transport Clean-up Policy is critical. It covers environmental responsibility for a wide range of carried commodities, assuring your clients’ safety even when they least anticipate it.

Why Tokkie Ferreira Brokers choose to act proactively?

Brokers must comprehend the growing financial and legal ramifications of environmental exposure. With rising claims expenses, many policies on the market may no longer provide adequate insurance coverage. Brokers who fail to properly advise their clients risk both dissatisfied clients and professional indemnity (PI) claims.

Envirosure strongly urges brokers to include discussions about environmental exposure in their regular risk assessments and advice records. Their experience demonstrates that entire claims management, when coordinated from the start, results in faster resolution, lower costs, and more customer satisfaction.

Why does Tokkie Ferreira Brokers choose Envirosure?

Despite the various products they have to offer, Envirosure works closely with strategic partners like Spill Tech and the Séché Group, ensuring a robust, on-the-ground response to any incident. This partnership means clients benefit from specialised spill response teams and streamlined communication with authorities, which reduces incident life cycles and minimises both cost and impact.

Their Hazcall24 emergency hotline provides quick coordination of cleanup crews and technical experts, giving clients and brokers peace of mind.

As legislation tightens and institutions begin requesting confirmation of environmental coverage before financing transactions, having the correct partner becomes more important than ever. Envirosure’s extensive experience, proven track record (over R323 million in claims paid out), and steadfast dedication to environmental stewardship make them the go-to specialist for complete environmental coverage in South Africa.

Environmental impairment is more than simply an insurance concern; it also affects business continuity, compliance, and reputation. Envirosure’s comprehensive solutions ensure that clients are not only protected, but also confident in their capacity to respond when it counts the most. Don’t just get a policy; get a plan with Envirosure.

This article is a general information sheet and should not be used or relied upon as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice. Errors and omissions excepted (E&OE).