ENVIRONMENTAL INSURANCE
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1 ENVIRONMENTAL INSURANCE Forecasting the developments in terms and conditions, product innovation and legal and legislative changes in Environmental lines Sofia Lindroth Regional Underwriting Manager Northern and Central Europe, Environmental Liability XL Catlin 19 th November
2 Agenda Development and predicted changes in legal environment Development and predicted changes in environmental insurance market and product developments 2
3 Until now 1970's Trigger: Pollution Condition Claim: Private Law 3 rd party claim Pollution Start Date 1980's Trigger: Pollution Condition Claim: Private Law 3rd party claim Public law Fines & Penalties Cost = 40 x increase 4,000,000 Ecological Condition 100, 's Trigger: Pollution Condition Claim: Private Law 3rd party claim Public law Fines & Penalties Investigation Clean-up costs 2000's Trigger: Pollution Condition Environmental Damage Claim: Private Law 3rd party claim Public law Fines & Penalties Investigation Clean-up costs Emergency Costs Habitat restoration Env. compensation Time
4 What's the next step - Legal Enforcement fines, financial penalties Mandatory financial provisions? EU Worldwide Environmental global program required to be compliant? Regulators fed up of paying for clean-up forcing insurance and bonds More legislation?? not necessarily, more focus on enforcement. Emerging markets doing more work to catchup 4
5 Mandatory Financial Requirements in Europe Country Financial Provisions Date Bulgaria Yes linked to ELD 1 st Jan 2011 Czech Republic Yes linked to ELD 1 st Jan 2013 Greece Yes linked to ELD 1 st May 2010 Hungary Linked to ELD Not yet in force Ireland Linked to Permits In force Italy Linked to ELD Not yet in force Poland May be requested not linked to ELD In force Portugal Yes linked to ELD 1 st Jan 2010 Romania Linked to ELD Not yet in force Slovakia Yes linked to ELD 1 st July 2012 Spain Linked to ELD Not yet in force Outside of Europe China Mexico Argentina Chile South Korea 5
6 Development and predicted changes in the environmental insurance market and product developments 6
7 Problems with the Environmental Insurance market Clients and many insurance companies don't understand environmental liabilities There is no sufficiently accurate data on the costs of pollution and environmental damage to help clients understand and evaluate their risks A considerable volume of data exists globally, but insurers and clients only have access to a limited amount from their own clients or from companies that have become insolvent (e.g. ChemiePak). 7
8 Where we are today from M&A-driven standalone market and complicated solutions for highrisk companies Specialist product to Operational renewable policies for low to high-risk companies More standardized insurance purchase - Global programs - M&A 8
9 What's the next step market and product Environmental insurance as a risk transfer option? Engineering and loss prevention recommendations can help improve environmental management and quality Better risk evaluation thanks to more accurate data Two options: More integrated into General Liability policies? But EIL is not General Liability. It is 1 st Party, historic liabilities, BI, M&A, PI, Construction Or standalone policies for complex risks, global accounts We as an industry need to meet the regulatory financial requirements For example bonds attached to an insurance policies 9
10 Questions? 10
11 About XL Catlin XL Catlin is the global brand used by XL Group plc s insurance and reinsurance companies which provide property, casualty, professional and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world. To learn more, visit xlcatlin.com. The XL Catlin insurance companies offer property, casualty, professional, financial lines and specialty insurance products globally. Businesses that are moving the world forward choose XL Catlin as their partner. To learn more, visit xlcatlin.com. The XL Catlin reinsurance companies are among the world s leading reinsurers. They offer products that include aerospace, property, casualty, marine and specialty. The world s top insurers choose XL Catlin to help move their businesses forward. To learn more, visit xlcatlin.com. We are the organization clients look to for answers to their most complex risks and to help move their world forward. To learn more, visit xlcatlin.com. 2015, XL Group plc. All rights reserved. I MAKE YOUR WORLD GO 11
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