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  • Contact Us!
  • About Us
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  • Environmental
  • Other Pollution
  • Site Pollution
  • BLOG
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J. Loos & Associates, Inc.

J. Loos & Associates, Inc.J. Loos & Associates, Inc.J. Loos & Associates, Inc.

Personal, Business & Environmental Insurance Solutions

Personal, Business & Environmental Insurance Solutions Personal, Business & Environmental Insurance Solutions Personal, Business & Environmental Insurance Solutions

Agriculture & Food Service Risks

Agriculture and food service play a vital role in society.  They literally put food on plates!  Unfortunately they can sometimes be responsible for things that should not be out in the environment, whether it is fertilizer runoff, a fuel leak, a cooking oil spill, or wastewater from production or cleaning.


A few quick examples:

  • A massive fire, caused by a lighting strike, at a distillery warehouse caused contaminated runoff to enter a nearby river where it killed thousands of fish. The runoff was a combination of alcohol and firefighting chemicals. The distillery company faced fines for the contamination.
  • While driving through a small farming community of about 5,000 residents, a truck slowly leaked pesticide for about three miles. As a result, several police officers were overcome by all the fumes, about 11 people were sent to the hospital, and a trailer park had to be evacuated.
  • The grease interceptor of a restaurant steadily leaked grease, sewage and contaminated fluid into the ground and migrated to a nearby homeowner’s property. The homeowner’s property suffered quite a bit of damage, and the homeowner sought $800,000 from the restaurant for property damage and loss of use and enjoyment of the property.


Review the pollution and professional liability risks facing the agriculture and food services industries by downloading the Environmental & Professional Risk Overviews below.

Agricultural Cooperatives (pdf)Download
Breweries & Distilleries (pdf)Download
Restaurants (pdf)Download
Plant and Tree Nurseries (pdf)Download

Other Industries with Environmental Risk Exposures

Many various industries have exposures to pollution risk.   Some, like recycling, manufacturing, or a gas station, have obvious sources of potential pollutants.  Others, like an owner of vacant land, or an educational facility, or a self storage warehouse, may not immediately spring to mind, but they do exist.


Need examples?

  • Manufacturers produce products. Environmental exposure can result from the release, escape or dispersal of pollutants, or contamination of water, soil and air due to product damage or defects. Many General Liability and Product Liability insurance policies deny coverage for cleanup, bodily injury and property damage and defense arising from the discharge of pollutants from a product.
  • An oil pipe burst in a school's boiler room.  Around 1800 gallons of heating oil seeped into the floor drain and into a storm basin.  A heavy rain caused the spill to flow downhill into a hospital parking lot and a playground.  The estimated cost to clean up the oil spill was over $1,000,000.
  • A self storage facility repossessed a storage unit for nonpayment.  After opening the unit, the facility found drums of hazardous material.  The renter could not be found, so the owner of the storage facility was required to pay for the disposal of the drums.
  • During excavation and dewatering activities on a previously undeveloped parcel of land, contaminated groundwater was discovered. State regulatory authorities required the property owner to collect, test and treat groundwater pumped out during the excavation process. Contaminated soils were also discovered at the site, and it was determined that the contamination had migrated from a nearby manufacturing facility from several years prior to the development project. This caused construction delays and additional expenses, totaling over $1 million for the land owner.


Manufacturing (pdf)Download
Paper Recycling (pdf)Download
Electronics (E-waste) Recycling (pdf)Download
Gas Stations (pdf)Download
Vacant Land Ownership (pdf)Download
Education Facilities (pdf)Download
Self Storage Facilities (pdf)Download
Disinfection Service (pdf)Download

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