Pollution coverage has become critical to most comprehensive insurance programs. Environmental policies are meant to pick up coverage for exclusions found in Property and Liability policies.

Basic Forms of Environmental Policies Include:

• Environmental Impairment Liability – coverage applies to listed locations
• Contractors Environmental Liability
• Professional Liability

Key Areas of Policy Coverage Include:

-Bodily injury
-Property damage
-Cleanup expenses
-Defenses costs (usually included within the limit of liability)

Policy Forms vary greatly and should be matched with the specific class of business and exposure.