Environmental Insurance
Discover Our All
Insurance Services
Personal Insurance
Commercial Insurance
Farm Insurance
Environmental risk is real and costly.
From construction sites and manufacturing plants to large commercial portfolios, even minor pollution incidents can trigger significant regulatory fines, legal action, and costly cleanup efforts.
At ONA, we provide environmental insurance coverage designed to protect Ontario businesses and property owners from the growing risks of environmental liability.
With access to Canada’s leading insurers, ONA offers expert guidance and custom coverage that meets your legal responsibilities and protects your long-term operations.
Who Needs Environmental Insurance?
- General and specialty contractors
- Developers and builders
- Commercial and residential property managers
- Manufacturers and processors
- Warehousing and logistics firms
- Environmental consultants and remediation companies
- Farmers and agricultural operators
- Fuel and chemical storage providers
Why Environmental Liability Coverage Is Essential
- Environmental damage to land, air, or water
- Health impacts to the public or employees
- Expensive cleanups and soil remediation
- Government fines and legal penalties
- Lawsuits from neighbouring properties or municipalities
Environmental liability can also follow you long after an incident has occurred. Even past land use or inherited contamination can trigger claims.
ONA helps you plan with environmental liability insurance for Ontario that protects your business from unexpected costs, damage to your reputation, and compliance issues, both now and in the future.
What Does Environmental Insurance Cover?
ONA builds flexible environmental insurance packages tailored to fit your operations. Coverage can include:
Third-Party Bodily Injury and Property Damage
Protects you if contamination causes harm to individuals or damages another party’s property.
On-Site and Off-Site Cleanup Costs
This covers the cost of soil, air, or water remediation, whether the pollution occurs at your site or spreads beyond your property line.
Sudden or Gradual Pollution Events
Policies can address both accidental spills and long-term contamination that develops over time.
Business Interruption
This helps replace lost income if an environmental issue forces your operations to pause temporarily.
Legal Defence Costs
Covers legal fees and regulatory fines related to environmental claims or investigations.
Contractor’s Pollution Liability
For contractors working on high-risk projects, this coverage protects against pollution-related claims that arise from job site activities.
Storage Tank Liability
Covers environmental damages and cleanup costs related to underground or above-ground storage tanks for fuel and chemicals.
Every policy is different. ONA brokers will help you assess your exposure and develop a coverage package that meets your industry standards, legal requirements, and site-specific risks.
Ontario’s Environmental Regulations: What You Need to Know
- Ontario’s Environmental Protection Act (EPA)
- Federal Canadian Environmental Protection Act (CEPA)
- Spills Reporting Regulation (Ontario Regulation 675/98)
- Site-specific standards and cleanup protocols set by the Ministry of the Environment, Conservation and Parks (MECP)
Why Choose ONA for Environmental Insurance?
Industry-Specific Knowledge
ONA has decades of experience working with high-risk industries across Ontario. We understand the operational realities, insurance language, and environmental compliance issues you face every day.
Brokerage Advantage
As an independent broker, ONA has access to top-tier insurers and underwriters. That means more options, better pricing, and policies that are tailored to your needs.
Personalized Service
From evaluating your site exposure to reviewing contracts and lease agreements, ONA is here to support your business at every step. We offer honest, straightforward advice, no technical jargon, just smart protection.
Ongoing Policy Support
As your operations evolve, we’ll help you adjust your coverage. Whether you’re expanding locations, decommissioning a site, or entering new industries, we’ll make sure your insurance grows with you.
Coverage for Mixed-Use and Personal Properties
Environmental risk isn’t limited to industrial properties. Contamination can also impact residential real estate, home-based businesses, hospitality businesses, and rental buildings—especially in urban areas or near former industrial zones.
ONA provides solutions for:
- Residential developers and builders
- Landlords and condo corporations
- Homeowners with fuel storage tanks
- Rural and agricultural properties
Frequently Asked Questions
Commercial General Liability (CGL) policies usually exclude pollution-related incidents. Environmental insurance fills that gap, offering protection for claims related to contamination, hazardous materials, and environmental damage.
Request an Environmental Insurance Quote Today
Environmental risk is complex, but your insurance doesn’t have to be. ONA makes it simple to get the right coverage, stay compliant, and protect your business from unexpected environmental liabilities.
Whether you’re managing a construction site, purchasing a commercial property, or operating a facility that handles hazardous materials, we’ll help you build a plan that fits your risk and budget.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
Service Areas
Insuring Individuals and Businesses in Ottawa and Beyond
Insurance Brokers in Ottawa
- Phone
Insurance Brokers in Manotick
- Phone
Insurance Brokers in Almonte
- Phone
Insurance Brokers in Russell
- Phone
Insurance Brokers in Orleans
- Phone
Contact Us
