In the past, stores were often stand-alone structures, which meant that whatever environmental issues they experienced were typically contained within their own property boundaries. Today, stores are usually part of large shopping malls or strip malls. They no longer stand alone and the environmental impact of one retail establishment will often affect other establishments in their vicinity. Tenants at shopping centers that could pose a significant risk for environmental impact may include: dry cleaners (solvents), restaurants (grease, cleaning solvents, mold), nail salons (solvents), auto parts stores (oils, solvents, batteries), as well as many others. Environmental exposures could stem from the following areas:
Spills of products or waste during transportation. These products or wastes may be hazardous or non-hazardous and still require cleanup in the event of a spill or cause natural resource damages (ex. In the past, milk spills have caused natural resource damages, etc.).
Businesses that typically generate hazardous wastes include: dry cleaning operations, pharmacies, photography kiosks, printing establishments, paint kiosks, plant nurseries, and pet groomers.
Paints, solvents, fertilizers, pesticides, and other products may spill outdoors during loading or unloading activities. Often, these chemicals can persist in the environment for long periods of time and contaminate soil, surfaces, or groundwater.
Product handling and storage
A national retail chain settled a pollution claim for over $30,000. The claim was made against them by state regulators for accidentally discharging ammonia into a creek. Employees were replacing safety valves on an ammonia refrigeration system when ammonia and drinking water leaked into their parking lot and into the creek.
Indoor air quality issues can stem from improper management of asbestos, lead paint, and water intrusion which may lead to mold, microbial matter, or other indoor air quality issues. New shopping malls often have building components that off-gas such as drywall, carpet glue fumes, paint emissions, wood adhesives, or preservatives.
The environmental insurance policy that is most applicable to addressing shopping center concerns is a Premises Pollution policy. This product is designed to provide coverage for unknown, historical, and future environmental liabilities such as claims for bodily injury, property damage, and cleanup costs as a result of a pollution event.
Contact us for all your Insurance needs! (321)725-1620
Bob Lancaster Insurance
Serving Florida since 1964
"Our mission is to create peace of mind and build enduring relationships."
Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.
Putting our mission statement to work
Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.
Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!