Argo’s 12 Days of Santa’s Insurance: Pollution Coverage

Manufacturing and delivering toys is a messy business. Santa should make sure he has coverage for any pollution caused by his workshop or during his epic night of deliveries.

It’s not enough to make billions of toys to deliver globally in a single night, all while maintaining a cheerful disposition – even Santa has to clean up after himself. Fortunately, Argo offers a versatile range of pollution coverage that makes cleaning up much easier to manage.

Here are three types of coverage Santa should consider:

1. Contractor’s pollution liability policy

The only traces Santa and his team should leave behind are gifts, cookie crumbs, and reindeer hoof prints. If Santa were to cause smoke or fire damage coming down a chimney or knock over an above-ground storage tank during an emergency landing, Argo’s monoline contractor’s pollution liability policy would help him make things right, said Kelly Killimett, vice president and head of environmental at Argo Group US.

2. A fixed-site policy

Premises Environmental And Remediation Liability (PEARL) would cover Santa’s toy manufacturing at his North Pole facility. With limits up to $10 million and a minimum premium starting at $3,500, PEARL offers coverage including bodily injury, property damage, and on-site and off-site cleanup. New pollution conditions are included, and preexisting pollution conditions are optional with additional underwriting.

3. Non-owned disposal site liability

Imagine all the empty paint cans and other waste generated by the elves making toys every year for all the good girls and boys. While he recycles what he can, Santa is responsible for cleaning up waste if it was improperly disposed of by a disposal facility that’s no longer in business. Included with both PEARL and monoline contractor’s pollution liability policies, non-owned disposal site liability would cover those related costs.

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Argo’s 12 Days of Santa’s Insurance: Product Liability Insurance

Even though Santa takes every precaution to make sure the toys his workshop produces are sturdy and safe, he could gain a little peace of mind with product liability insurance.