Environmental Liability Insurance & EU Directive 2004/35/EU

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George Koutinas

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HELLENIC COMMITTEE OF LLOYD’S BROKERS’ ASSOCIATES “70 years of Presence in the Greek Insurance Market” 30 TH September 2009, Yacht Club of Greece Environmental Liability & European Directive 2004/35/EK George Koutinas Engineer NTUA & Ε NSPM Specialist Insurance Broker [email_address]

ENVIRONMENTAL LIABILITY & EUROPEAN DIRECTIVE 2004/35/EK ,[object Object],[object Object],[object Object],[object Object]

CIVIL LIABILITY ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

BUSINESS LIABILITY Liability against Consequences Insurance Cover ,[object Object],[object Object],- Third Parties (**) - Clients (**) - Stakeholders , Authorities , (**) … Εnvironment (*) Employees (*) ,[object Object],- Bodily Injury / Death - Moral damage, … - Earth Pollution - Water Pollution - Damage to Biodiversity ,[object Object],PRODUCT LIABILITY POLICY EMPLOYER’S LIABILITY POLICY ENVIRONMENTAL LIABILITY POLICY - THIRD PARTY LIABILITY INSURANCE POLICY - PROFESSIONAL INDEMNITY INSURANCE - PRODUCT GUARRANTY & RECALL INSURANCE - “DIRECTORS & OFFICERS” INSURANCE Consumers (*)

ENVIRONMENTAL LIABILITY Directive 2004 /35/EK ( “Polluter Pays Principle”- The 3P’s ) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

ENVIRONMENTAL LIABILITY DIRECTIVE (ELD) Prevention & Remedying of Environmental Damage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

ENVIRONMENT & INSURANCE Can Insurance contribute to the protection of the Environment & to the Sustainable Development? YES ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Environmental Liability Insurance & EU Directive 2004/35/EU

1. HELLENIC COMMITTEE OF LLOYD’S BROKERS’ ASSOCIATES “70 years of Presence in the Greek Insurance Market” 30 TH September 2009, Yacht Club of Greece Environmental Liability & European Directive 2004/35/EK George Koutinas Engineer NTUA & Ε NSPM Specialist Insurance Broker [email_address]