{"id":15122,"date":"2017-06-27T13:00:56","date_gmt":"2017-06-27T11:00:56","guid":{"rendered":"https:\/\/www.joaquinmone.es\/?p=4633"},"modified":"2025-05-23T11:02:17","modified_gmt":"2025-05-23T09:02:17","slug":"companies-and-their-protection-against-environmental-risks","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/las-empresas-y-su-proteccion-frente-a-riesgos-medioambientales\/","title":{"rendered":"Companies and their protection against Environmental risks"},"content":{"rendered":"<p>Since the entry into force of the <strong>Law 26\/2007 on Environmental Responsibility<\/strong>, In Spain, by adapting European regulations to Spanish legislation, the rules applicable to companies that pollute or damage the environment are being tightened. Today we will see what the law says, and how the insurance world offers solutions to protect these risks, which are having an increasing economic and social impact.<\/p>\n<p>We talked about the <a href=\"\/en\/blog\/what-insurances-does-my-company-really-need-to-be-well-covered\/\">insurance necessary for a company<\/a>. Today we will expand this information with this insurance which, with the economic recovery, is booming.<\/p>\n<h2>What does Environmental Responsibility look like?<\/h2>\n<p>Through the Spanish legal system, clear guidelines are given as to what will be required of polluting companies:<\/p>\n<ul>\n<li>A responsibility <strong>administrative<\/strong>in case of damage to nature, the administration will be the one to demand a solution from the company causing the damage, from the \u201coperator\u201d, and from the \"operator\".\u201d<\/li>\n<li>That responsibility can become <strong>unlimited<\/strong>, no maximums are set. Specifically, the law states: \u201cto bear their costs, whatever the amount\u201d.\u201d<\/li>\n<li>It will be <strong>objective<\/strong>, The same applies to all companies that are listed in Annex III of the aforementioned law (i.e. no infringement or fault is required, but in the event of pollution, they will be directly liable). For other companies it will be <strong>subjective<\/strong>.<\/li>\n<li>There is a responsibility <strong>subsidiary<\/strong> of the administrators of these companies, so that they can even go to jail for this type of actions.<\/li>\n<\/ul>\n<h2><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-4635\" src=\"\/wp-content\/uploads\/2017\/06\/contaminacion-ambiental.jpg\" alt=\"The environment and business insurance\" width=\"900\" height=\"720\" \/><\/h2>\n<h2>How do companies act before and after environmental damage?<\/h2>\n<p>Law 16\/2007 requires that the companies affected by it, which are the vast majority, must:<\/p>\n<p style=\"text-align: center;\"><em>\u201cAdopt and implement measures to prevent, avoid and remedy environmental damage\u201d.<\/em><\/p>\n<p>Many companies think that, because they are not large corporations that constantly emit pollution, they are not exposed to this risk. An incident that could happen to anyone is an undetected leak from their diesel tank, which could leak into the subsoil and end up in a stream, damaging it and potentially affecting crops or even water for human or industrial consumption.<\/p>\n<p>There are therefore two fundamental legs, which must go hand in hand:<\/p>\n<ol>\n<li>A<strong> responsible preventive action<\/strong>which can be done by hiring a specialised consultancy to minimise these risks in our company.<\/li>\n<li>Hire a <strong>environmental insurance policy<\/strong>Although there are other financial guarantees, this is the cheapest and the one that actually transfers the risk of compensation and expenses to a third party.<\/li>\n<\/ol>\n<p>In this way, we are perfectly covered beforehand and any type of incident that could affect us in the future is protected.<\/p>\n<p>When an incident occurs, we must try to minimise the consequences, first of all by informing the company, who will help us through their technical specialists to control the damage and minimise the environmental impact. There are companies that even offer guarantees to clean up the company's image through advertising campaigns.<\/p>\n<h2>Conclusions on environmental insurance<\/h2>\n<p>Like <strong>Insurance Brokerage<\/strong>\u00a0We must be as well informed as possible about all risks that \u201cthreaten\u201d a company. Therefore, at the very least, we must:<\/p>\n<ul>\n<li>inform employers of the existence of this law,<\/li>\n<li>talk to them about the consequences for their company if such an event occurs, and<\/li>\n<li>how this impact can be minimised.<\/li>\n<\/ul>\n<p>After attending numerous talks on this type of risk, we can conclude that, should such an event occur, <strong>no small claim<\/strong>. All the costs that are generated from: hiring specialised companies to detect leaks, minimisation and repair plan for the damage generated, legal defence, etc., are very, very high.<\/p>\n<p>Therefore, we are at your disposal to inform you about the cost of transferring this risk to a company. If your company deals with waste, chemicals or has a fire risk, you should at least inform yourself about the <a href=\"\/en\/companies\/insurance-solutions-for-businesses\/civil-liability-insurance\/\">environmental insurance<\/a>. Contact us and we will advise you, without obligation.<\/p>","protected":false},"excerpt":{"rendered":"<p>Explicamos c\u00f3mo los riesgos medioambientales pueden poner en peligro a cualquier empresa que trate con residuos de cualquier tipo: grasas, gasoil, productos qu\u00edmicos&#8230;<\/p>","protected":false},"author":14,"featured_media":15123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[15],"tags":[193],"class_list":["post-15122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas","tag-rc-medioambiental"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=15122"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15122\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/15123"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=15122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=15122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=15122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}