{"id":42258,"date":"2026-08-10T05:48:48","date_gmt":"2026-08-10T10:48:48","guid":{"rendered":"https:\/\/bbrown.com\/?post_type=insight&p=42258"},"modified":"2026-08-10T05:51:36","modified_gmt":"2026-08-10T10:51:36","slug":"pfas-and-insurance-what-irish-businesses-need-to-know-brown-brown-ireland","status":"publish","type":"insight","link":"https:\/\/bbrown.com\/ie\/insight\/pfas-and-insurance-what-irish-businesses-need-to-know-brown-brown-ireland\/","title":{"rendered":"PFAS and Insurance: What Irish Businesses Need to Know | Brown & Brown Ireland"},"content":{"rendered":"

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\n PFAS and Insurance: What Irish Businesses Need to Know \n <\/h1>\n\t

A growing chemical risk is reshaping the insurance landscape for Irish businesses, and the window to get ahead of it is narrowing. <\/p>\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tContact Us to Learn More<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section section_padding_top=”pt-5″ section_padding_bottom=”pb-5″ full_width=”stretch_row” el_class=”overflow-visible”][vc_row row_padding_top=”pt-4″ el_class=”overflow-visible overlapping-row”][vc_column el_class=”overlapping-column”][vc_single_image image=”40716″ img_size=”1082×439″ alignment=”center” css=”” el_class=”brand-rounded-corners-right”][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=”pt-0″ row_padding_bottom=”pb-0″][vc_column column_padding_bottom=”pb-4″][vc_column_text css=””]<\/p>\n

PFAS and Insurance: What Irish Businesses Need to Know<\/span><\/span>\u00a0<\/span><\/h3>\n

A growing chemical risk is reshaping the insurance landscape for Irish businesses, and the window to get ahead of it is narrowing.<\/span><\/i>\u00a0<\/span><\/p>\n

Per- and polyfluoroalkyl substances, better known as PFAS, have been used in everyday products for decades, appearing in non-stick cookware, food packaging, firefighting foams, textiles,\u00a0paints\u00a0and coatings. What makes PFAS significant from an insurance perspective is their persistence. They do not break down in the environment or the human body, which is why they have earned the label “forever chemicals.”<\/span>\u00a0<\/span><\/p>\n

As scientific evidence develops and regulatory pressure builds at EU level, including active assessment of PFAS restrictions under the REACH framework, Irish and European insurers are responding, and faster than many Irish businesses realise.<\/span>\u00a0<\/span><\/p>\n

The Market Is Already Moving<\/span><\/b>\u00a0<\/span><\/p>\n

Irish liability insurers are beginning to ask PFAS related questions at renewal that were not on the agenda 12 months ago. Some are applying exclusions. Others are reassessing risk by sector and by policyholder. The US market,\u00a0considerably further\u00a0along this curve, shows where Ireland is headed next, and the direction of travel is consistent across both.<\/span>\u00a0<\/span><\/p>\n

The businesses best placed to manage this are the ones who understand their exposure before an underwriter raises the question for them.<\/span>\u00a0<\/span><\/p>\n

Who Is Affected?<\/span><\/b>\u00a0<\/span><\/p>\n

PFAS exposure is not limited to chemical manufacturers or industrial operators. Airports, waste businesses, water utilities, food producers, construction\u00a0firms\u00a0and businesses in the agricultural sector all carry potential exposure. Even indirect exposure, such as PFAS present in a supply chain, can trigger underwriting action at renewal.<\/span>\u00a0<\/span><\/p>\n

If your business\u00a0operates\u00a0in a sector that touches PFAS in any form, your insurance programme is worth a closer look before your next renewal.<\/span>\u00a0<\/span><\/p>\n

Where This Leaves Your Cover<\/span><\/b>\u00a0<\/span><\/p>\n

Standard Public and Products Liability policies may not respond to PFAS-related incidents, particularly where exclusions have been introduced. As insurers continue to assess PFAS exposure, underwriting approaches are evolving and can differ significantly by sector, business activity and risk profile. Understanding the potential implications for your business can help you prepare for future renewal discussions and make more informed decisions about risk management and insurance cover.<\/p>\n

Get the Full Picture<\/span><\/b>\u00a0<\/span><\/p>\n

Brown & Brown Insurance Brokers (Ireland) has produced a briefing paper covering what PFAS are, how Irish and international insurers are responding, the regulatory direction at EU level, and the practical steps businesses should take to protect their coverage position.<\/span>\u00a0<\/span><\/p>\n

Request a copy of our PFAS and Insurance briefing paper by emailing Darragh.Cashman@BBrown.com<\/a><\/span>. Our team will follow up directly and can discuss what it means for your business and your sector.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_bg_color=”bg-light-gray” full_width=”stretch_row” content_placement=”middle”][vc_column column_padding_top=”pt-0″ width=”1\/2″][vc_single_image image=”41991″ img_size=”full” css=””][\/vc_column][vc_column column_padding_top=”pt-0″ width=”1\/2″]\n

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\n Get the Full PFAS Picture\n <\/h2>\n\t

Access our briefing paper and speak with our specialists.<\/p>\n <\/div>[vc_empty_space height=”10px”]\t

\n\t\t\t\t\t\n\t\t\t\tContact Us to Learn More<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

PFAS regulations and insurer scrutiny are increasing. Learn how forever chemicals could impact liability cover, renewals and risk management for Irish businesses.<\/p>\n","protected":false},"author":43,"featured_media":40716,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[],"class_list":["post-42258","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nPFAS and Insurance: What Irish Businesses Need to Know | Brown & Brown Ireland - Brown & Brown<\/title>\n<meta name=\"description\" content=\"PFAS regulations and insurer scrutiny are increasing. 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