How is the premium paid?

The premium is payable annually by direct debit .

What is the territorial and temporal scope of the policy?

This policy provides coverage in those places where the insured activity takes place and against claims that are settled out of court or in the courts of European Union member states, in accordance with the regulations in force in EU member states. Provided that the insured party is unaware of their existence, any claims generated before the policy goes into force will be covered retroactively until April 30, 2007, except for those risks involving Transport and subcontracted activities in airports, for which there is no retroactivity, meaning claims will only be covered from the effective date of the policy.

Who is the insurance company?

Insurance company: BBVA ALLIANZ SEGUROS Y REASEGUROS S.A., with registered address in Calle Ramírez de Arellano, 35, 28043 Madrid, and listed in the Directorate-General for Insurance and Pension Funds under reference C-0807.

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A., with registered address in Madrid at Calle Azul no. 4, and listed in the Administrative Registry of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV-0060. It has an approved public liability insurance policy.

Insurance product information document

By law, we have to provide you with a standard insurance product information document to help you understand the main features. Open document

BBVA Allianz Environmental Liability

Q: How long does the policy last?

The policy is annual and renewable . The policy will be tacitly renewed every year on the same effective date. It can only be cancelled by giving the company one month's notice before the policy expires .

Protection of present and future personal assets, with civil liability for pollution included.
Flexibility and adaptation. You decide the level of protection you need by choosing the compensation limit that is right for your needs.

What advantages does it offer?

Protection of present and future personal assets.

Protection for pollution in the same product, since it also includes civil liability.

Technical support through a claims handling service, with backing from the Spanish Environmental Risk Pool.

Flexibility and adaptation. You decide the level of protection you need by choosing the compensation limit that is right for your needs.

What does this insurance cover?

Environmental Liability Insurance is intended to protect your assets if you are unexpectedly involved in an incident that damages the environmental (i.e., it affects the water, flora and fauna, sea or river shores, or soil), and the origin of the incident lies in your facilities and in the activities carried out outside the insured center.

The insurance covers any obligations arising from Environmental Liability, as regulated by Act 26/2007 of October 23, and its implementing regulations or others that contain equivalent obligations, such as prevention measures to avoid imminent environmental damage, or those needed to prevent further damage if it has already taken place.

See details of the coverage.

Do you want to customize your insurance?

The limits, capital and deductibles differ, depending on the activity insured. You decide the level of protection you need by choosing the compensation limit that is right for your needs.

You can choose an indemnity limit of up to €6,000,000.

The aggregate yearly limit is double the insured sum, up to €12,000,000.

The product offers fixed guarantees that you can supplement with optional guarantees to adapt it to your activity or profession.

See the capital, limits and excess that you can insure.

What are the requirements?

The policy is available for:

All types of activities: Industrial; Services; Non-industrial, such as shopping centers, schools, dry cleaners, etc.

Legal entities CIF and individuals NIF or NIE

Those that have fuel tanks or pipelines and other hazardous substances, especially underground.

Installations with the potential to generate fires, department stores, waste storage, etc.

Carriers or service companies that might be at greater risk due to the changing conditions of the environment in which they work.