Stormwater
Stormwater could come in contact with chemicals, debris, fueling areas, wastes, and other outside storage at hydrogen generation or distribution facilities. Automotive fluids that leak from heavy-duty trucks loading and unloading at these facilities could also be collected in stormwater run-off. If stormwater is not properly controlled, contained, or pre-treated before discharge into sanitary or storm drain systems, it can pollute soil and groundwater or discharge directly into surface waters, impacting human health and aquatic systems.
Toxic Run-off
Hydrogen is a flammable gas that is colorless, odorless, and tasteless. Generators store significant amounts of hydrogen and other gases used in production. Hydrogen fueling stations and pipelines also store and distribute hydrogen. Hydrogen leaks can occur, and the presence of hydrogen at significant levels increases the possibility of a fire or explosion. Fires can produce smoke, and explosions can produce shock waves, which impact third parties. Toxic run-off from fires can come into contact with materials stored on-site or combustion by-products that can enter drains, migrate to adjacent sites, or discharge to surface waters. Environmental claims for bodily injury, property damage, cleanup, and natural resource damage could result from a fire or explosion.
Gas Leaks
Hydrogen gas leaks can also occur in confined spaces within a generator’s facility, during distribution, or at a fueling station. In a confined space, hydrogen can act as an asphyxiant and cause bodily harm to third parties.
Transit Hazards
Transportation of hydrogen as a cryogenic liquid or in high-pressure trailers can present pollution hazards. A leak from one of these trailers can cause injury to third parties, resulting in bodily injury and property damage claims. Fires from a hydrogen leak from a transport vehicle can produce smoke, and fire water run-off can contain pollutants that impact the environment.
Leaks
Leaks of hydrogen from a fuel facility or a vehicle or other equipment containing a fuel cell can result in injuries or property damage to third parties and claims for product pollution liability against the hydrogen generator, distributor, or fuel-cell manufacturer.
Waste Management
Wastes may be generated in hydrogen production processes. Hazardous wastes or other regulated wastes require special handling and disposal procedures, which, if not followed, may trigger regulatory violations and fines. Improper waste disposal could lead to environmental liability or legal consequences. Additionally, a waste generator can become a Potentially Responsible Party, liable for cleanup costs in the environmental cleanup of a non-owned disposal (NOD) facility where they sent wastes.
Storage Tanks
Aboveground storage tanks, underground storage tanks, or containers may be used to store fuels, chemicals, or wastes. Leaks or spills during storage, transfer, or loading and unloading can contaminate soil, groundwater, or surface water, migrate to neighboring properties, collect in stormwater run-off, or discharge to sewer or storm drains, resulting in environmental liability.
Environmental Pollution Liability Can Provide Coverage For
An Integrated GL/Site Pollution option may be available
Monoline Site Pollution Liability
Third-party claims for bodily injury and property damage
First-party and third-party cleanup
Defense of third-party claims
Emergency response costs
First and third-party transportation pollution liability
Loading and unloading
Products pollution liability
Crisis/reputation management
Civil fines and penalties, where allowed by state law
Off-site services pollution liability
Business interruption expenses
Non-owned disposal sites
Natural resource damage