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在美国的保险市场上,大多数商业财产和责任保险单都将污染风险列为除外责任。为了满足市场对污染风险保障的需要,美国保险市场开发了各种环境保险。最早的产品是1977年出台的环境损害责任保险(EIL),也称作污染责任保险。此后,美国的环境保险市场得到迅猛发展,而各种环境立法的推进和完善是其主要的发展动力。
In the U.S. insurance market, most commercial property and liability insurance cover the risk of contamination as an exclusion. In order to meet the needs of market protection against pollution risks, the U.S. insurance market has developed a variety of environmental insurance. The earliest product was Environmental Liability Insurance (EIL), introduced in 1977, also known as pollution liability insurance. Since then, the U.S. environment insurance market has witnessed rapid development, and the promotion and improvement of various environmental legislation are its main driving forces.