Environmental Investment Protection

What’s covered Key benefits Risk appetite Resources Contact

Protect your assets from environmental risk

Environmental risks are a central consideration when investing in commercial property. Latent contamination, biodiversity obligations, and evolving legislation can stall progress and erode the value of your investment.

DUAL’s Environmental Investment Protection (EIP) is designed to help mitigate environmental risks. This solution helps protects property values against environmental and biodiversity risks in transactions, developments, financing and M&A.

What's covered

DUAL’s environmental and biodiversity protection supports value and manages liability across land and property assets. Our cover includes:

Known and unknown historic contamination

Cover for legacy contamination, both known and unknown. This helps ensure asset value is preserved through risk transfer.

Changes in environmental legislation

Protection against new statutory requirements that can materially affect ownership cost, compliance or liability.

Biodiversity obligations and Biodiversity Net Gain (BNG)

Cover for long-term biodiversity responsibilities (including Biodiversity Net Gain) to de-risk project completion and ownership transfer.

Impact to or from water sources

Protection against pollution of water bodies that could materially reduce site value.

Environmental liabilities during development

Covers third-party claims and regulatory exposure arising during remediation, allowing progress with minimal disruption.

Business interruption and rental loss

First-party cover for interruption to income caused by insured environmental triggers.

Reduction in asset value

Protects against sharp reductions in site value related to environmental concerns raised during transactions.

Lender loss on default

Cover where borrower default is triggered by environmental liabilities, helping protect debt exposure and loan structures.

Key benefits

Preserve asset value across transactions

Mitigate known and unknown environmental exposures to support price certainty. Avoid price chipping and avoid post sale liabilities.

Unlock funding

Reduce lender friction by insulating their exposure to default from environmental risk. Present a cleaner, more bankable proposition.

Accelerate deal execution

Minimise delays caused by environmental red flags in due diligence. De-risk legacy sites and get assets sold.

Transfer future liabilities

Shift exposure from your balance sheet. Help to give successors certainty on biodiversity and contamination obligations, enabling faster disposals.

Risk appetite

Environmental Investment Protection is designed for single-site and asset-specific risks. We support:

Commercial asset sales

Assets with known and unknown contamination
Maximising sale value
Sellers aiming to exit cleanly

Real estate M&A

Bidders looking for:

Certainty around asset value
Increased success rate of bids through insurance backed offers

Refinancing or restructuring

Increases certainty to lenders, making the asset more attractive by protecting them from borrower default

Brownfield redevelopment

Underpinning the development environmental due diligence and risk management, giving greater confidence to third party stakeholders
Environmental risks arising from development

Download our appetite sheet

Environmental Investment Protection appetite sheetPDF/973.51 KB

Underwriting requirements

To get started, we typically need the:

Asset address and risk summary
Deal context (sale, financing, M&A)
Environmental reports (if available)
Known issues or legacy liabilities

Our underwriters can review risks directly with you. We provide fast answers where speed matters most.

Why choose DUAL?

Expert underwriting. Straight answers.

Our team includes specialists with a deep technical understanding of environmental and biodiversity risk. We work with your internal advisors to build a solution that helps meet the commercial demands of the transaction.

Designed for complex deals

Environmental Investment Protection is not a general market policy. It’s a strategic tool for dealmakers, lenders, legal teams and asset managers who need to reduce uncertainty and keep capital moving.

Market-aligned

We work closely with legal counsel, real estate advisors and lenders to support market transactions. Our coverage integrates smoothly into Sale & Purchase Agreement (SPAs), loan terms, and development agreements.

Global scale, local authority

We are backed by A-rated capacity and DUAL’s specialist teams across Europe. Our Environmental Investment Protection offering brings international best practice with underwriting authority in local markets.

Environmental Investment Protection appetite sheetPDF/973.51 KB