Do You Need Pollution Liability To Reduce Your Risk?
You may assume that your general liability policy covers pretty much every third-party injury or property damage claim that may come your way. But general liability policies typically contain a pollution exclusion which excludes bodily injury or property damage arising from the release of a pollutant. The bottom line is that you cannot rely on your commercial general liability coverage to provide any protection against third-party claims related to pollution.
What is a pollutant?
Pollutants can include any solid, liquid, gaseous, or thermal pollutant, irritant, or contaminant including, but not limited to smoke, vapors, odors, soot, fumes, acids, alkalis, toxic chemicals, hazardous substances, electromagnetic fields, low-level radioactive waste and material, mold matter, Legionella, and waste materials.
Who needs pollution liability coverage?
- Excavation Contractors
- Concrete Firms
- Demolition Contractors
- Drilling Contractors
- Electrical Contractors
- Interior Renovation Contractors
- Steel Erectors
- All Construction Trades
What does pollution liability provide?
It provides protection for claims against contractor arising from pollution conditions resulting from the operations of the contractor or its subcontracts. This includes coverage for third-party bodily injury and property damage, defense costs, and cleanup.
DJM offers the coverage you need when you need it. We have written over 15,000 policies and partner with the leading insurance companies in the industry to ensure you get the lowest rates and fast. Contact us today for your free no-obligation quote at (866) 633-9204.