Indicative bands
Single-site EIL on a clean commercial property commonly sits in the low five-figure range annually. Brownfield transactional cover with material historic exposure can run into six figures, with limits in the £5m–£50m range depending on the deal.
The main premium drivers
- Site history — number and intensity of prior industrial uses
- Current and intended operations on the site
- Regulator engagement and any existing remediation strategy
- Limit of indemnity and retention chosen
- Policy period — multi-year deals attract different rating
- Quality and completeness of the underwriting submission
Where Meliora ESG saves clients money
A well-built submission, paired with the right underwriter from the start, materially affects price and terms. James Alexander knows the London environmental market in depth — which means the placement strategy is matched to the underwriter most likely to write it well.
Frequently asked
- How much does environmental insurance cost in the UK?
- Single-site EIL premiums commonly start in the low five figures per annum; transactional cover for contaminated brownfield sites can run materially higher and depends heavily on site history, intended use and limit purchased.
- What drives environmental insurance pricing?
- Site history, operations on or near the site, regulatory engagement, limits and retention purchased, policy period, and the quality of the underwriting submission. A well-prepared submission can move premium materially.
- Can premium be financed?
- Yes — for larger placements, premium finance is routinely available and is often arranged alongside the policy itself.