Different industries have different environmental exposures and risks. Some business operations have heightened environmental exposures from their air emissions, oil or chemical spills, waste management or water discharge from cleaning or cooling operations.  In addition to paying for costs related to evaluating the extent of cleaning up environmental damage, businesses also face new liabilities to compensate society for the damage done and reimburse it for “loss of use” until the environment is restored. These are complex areas where financial implications have yet to be quantified by actual judgments.