Site Pollution Liability

Key Coverages

• Covered location pollution legal liability - new and existing pollution conditions (bodily injury, property damage, cleanup costs, natural resource damage, claim expenses with first party discovery and/or third party coverage trigger)
• Transportation pollution legal liability (coverage for third party carriers and insured as carrier, and includes coverage for inbound and outbound waste, materials, goods or products)
• Non-owned disposal site pollution legal liability and non-owned location coverage (non-owned storage, warehousing or distribution centers), both onsite and offsite coverage
• Coverage for known pollution conditions disclosed in the application, subject to underwriting
• Coverage for pass-through contamination migrating to and/or through a covered location from an offsite source  

Additional Coverages

• Coverage for illicit abandonment
• Coverage for crisis management expenses
• Coverage for reputation management expenses 
• Civil fines and penalties, punitive and exemplary damages where insurable by law
• Coverage for cleanup of asbestos and lead-based paint in any soil, watercourse/body of water or in groundwater
• Blanket coverage for divested locations
• Automatic 90-day extended reporting period (ERP) and right to purchase additional ERP
• Definition of pollution condition includes medical infectious and pathological waste, low-level radioactive waste and material, Legionella and microbial matter (i.e., fungus or mold)
• Definition of property damage includes diminished value and natural resource damage
• Definition of bodily injury includes medical monitoring, mental anguish and emotional distress
• Definition of cleanup costs includes restoration costs and allows for participation in voluntary cleanup programs