Environmental Impairment Liability or Pollution Liability may be written to cover the pollution exposure associated with the insured’s property and operations, including costs of cleanup and remedial (corrective) action at third- party demand or government order. The pollution exclusion in General Liability insurance effectively eliminates coverage for damages for bodily injury, property damage and cleanup costs arising from most types of pollution release. Consequently, tailor-made protection for the pollution exposure of numerous insureds in this category is essential. There are specific policies for remediation operations or abatement contractors. Coverage can address lead-based products, asbestos or numerous other hazardous substances. Coverage is provided using nonstandard forms. The important information to be obtained in any form is that it conforms to current pension law.
For Example: Carbon monoxide escapes from a restaurant’s heating, ventilating, or air conditioning system causing illness and dizziness among patrons.