en Occupational and Industrial Health Occupational and Industrial Health پژوهشي Original Article <div style="text-align: justify;"><span style="font-size:14px;"><span style="font-family:Times New Roman;"><span style="line-height:1;"><b><span style="color:black">Background:</span></b><span style="color:black"> The issue of environmental insurance has been raised since the early 1990s and has undergone extensive changes until today. The purpose of this research is to design a model for determining environmental insurance premiums related to maritime losses and pollution resulting from the oil and gas industry. </span><span style="color:black"></span><br> <b><span style="color:black">Methods:</span></b><span style="color:black"> This study is applied and employs survey methodologies as well as expert panels. In order to analyze the data, SPSS 22 and Expert Choice 11 software were used while hierarchical analysis was used to prioritize the components of the model. The final model was designed based on the </span><span lang="EN">Environmental</span><span lang="EN"> Failure Mode and Effects Analysis method (</span><span style="color:black">EFMEA), and its goodness of fit was determined through conformity factor analysis. </span><span style="font-size:9.0pt"></span><br> <b><span style="color:black">Results:</span></b><span style="color:black"> The research identified six categories of activities and four major types of accidents associated with the oil and gas industry. Moreover, five environmental aspects were determined. Fire and explosions in facilities, pipelines, and tanks (0.886), Pipeline breakage or corrosion (0.714), Maritime accidents and vessel collisions (0.656), and Operational disruptions in facilities (0.631) were prioritized respectively. The calculated Root Mean Square Error of Approximation (RMSEA) index was 0.068, indicating that the proposed model demonstrates an adequate fit. </span><br> <b><span style="color:black">Conclusion:</span></b><span style="color:black"> Environmental pollution risks could be covered by commercial insurance by relying on international law within domestic, regional, or global insurance policies in compliance with the principles governing such policies.</span></span></span></span></div> Insurance premiums, Environmental loss, Oil and gas industry, Risk assessment, EFMEA, 54 61 http://jhehp.zums.ac.ir/browse.php?a_code=A-10-644-1&slc_lang=en&sid=1 Nahid Seyrafian Nahid137@yahoo.com 100319475328460015659 100319475328460015659 No Department of Environmental Law, Science and Research Branch, Islamic Azad University, Tehran, Iran. Mansour Pournouri pournouri@yahoo.com 100319475328460015660 100319475328460015660 Yes Department of Law, Central Tehran Branch, Islamic Azad University, Tehran, Iran. Hamidreza Ghaffarzadeh Hamid.ghaffarzadeh@gmail.com 100319475328460015661 100319475328460015661 No Department of Environmental Management, Science and Research Branch, Islamic Azad University, Tehran, Iran. Reza Simbar simbar@guilan.ac.ir 100319475328460015662 100319475328460015662 No Department of Political Science, Gilan University, Gilan, Iran.