Legal Indemnity Insurance policies for issue by solicitors and conveyancers

Environmental Search - Failed

The Environmental Search - Failed legal indemnity insurance policy provides cover when an environmental search against the property which you propose to purchase discloses a risk of contamination which cannot be dismissed without further enquiries. The policy can be used for single residential and/or commercial properties based within England and Wales. 

Construction of the property, and any alterations, additions, extensions or conversions to it, must have been completed at least 12 months before commencement of cover; and the property must have been occupied throughout the last 12 months.

The result of your environmental search should not disclose any past heavy industrial use (e.g. petrol-filling or railway station, quarry or landfill site).

Click here to download our Demands & Needs statement 

Full Key Facts can be viewed by clicking here.

Key Features and Benefits

If, during the term of the policy, the local authority or the Environment Agency serves a remediation notice that relates to contamination which existed at the property before the date on which the cover commenced, the policy provides cover for the following, up to your selected limit of indemnity *:

  • the direct cost of removing the source of contamination and re-instating the property, as required by the remediation notice
  • the reduction in the value of the property
  • costs and expenses with our consent.

This policy does not cover contamination caused by radio-active substances or materials. 

The policy covers the buyer named in the policy schedule for 10 years, and the buyer's mortgage lender(s) for the full period of any loan that commences within that 10 year period. The policy does not cover subsequent owners or their mortgage lenders.

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