Mosaic Insurance has introduced a combined environmental product that integrates primary commercial general liability with pollution and professional coverage.

The new Site Pollution & General Liability (SGL) form offers primary and excess coverage, with $25 million in excess capacity. It is available to retail and wholesale brokers, providing general liability, environmental liability and professional liability under a single worldwide coverage form. The policy can be tailored to meet an insured’s specific requirements.

“This builds towards our continuing goal to be the top, most trusted environmental carrier,” said Jim Finnamore, global head of environmental liability at Mosaic.

SGL coverage is designed to address gaps commonly found in traditional insurance placements. It provides coverage across multiple sectors, including manufacturing, processing, product distribution and environmental consulting.

The policy competes with standard casualty placements while offering broader coverage. Features include worldwide protection for products, pollution incidents arising from an insured’s operations, and coverage for non-owned locations and transportation.

“These solutions comprehensively cover premises, operational, product, pollution and professional exposures,” said Karen Reilly, Mosaic’s head of US, environmental liability. “Our market-leading underwriting and claims teams are ready to provide the most comprehensive and creative solutions for our broker partners and clients.”

Rob Stedman, SVP of environmental liability, who oversees the SGL product, added: “We are extremely excited for this next chapter in the expansion of our environmental liability product offering.”

Mosaic has a team of 20 environmental specialists in London and the US. Its environmental policies provide coverage across industries such as fixed-site operations, construction, and manufacturing. The company continues to expand its offerings to address evolving risks in the sector.

Mosaic underwrites on behalf of nearly 30 insurers worldwide, led by its Lloyd’s Syndicate 1609. Along with environmental liability, Mosaic’s specialty lines include political violence, transactional liability, cyber, political risk, financial institutions, and professional liability. The company works with brokers and clients globally to deliver tailored insurance solutions.