Greater public awareness about the effects of pollution on property and health, as well as the cost to mitigate those effects, has grown over the last several years. News coverage of environmental disasters is hard to avoid. Recent incidents include the train derailment and chemical […]
If an insured doesn’t clearly understand how Sudden & Accidental pollution is defined in their insurance policy, this can potentially lead to not being covered in the event of a pollution release. It can also result in E&O problems for the agent. The way a […]
Language matters, and how a carrier defines a “pollution event” determines what circumstances will trigger coverage. Unfortunately, there isn’t a standard way the insurance industry defines “pollution event”; each carrier has its unique policy language and definitions. Even a slight change in wording can result […]
It’s common for insureds to assume that their General Liability policy provides adequate Pollution coverage. However, pollution exclusions can leave dangerous gaps in coverage. Carefully reviewing exclusions and explaining their meaning is part of due diligence as their agent. Unfortunately, exclusion wording is not standardized […]
The United States’ relative wealth, stability, and broad access to television and the internet have enabled the public to stay informed of growing environmental concerns and provided people with the resources to advocate for change efficiently, creating a mainstream “green movement.” Gen Z has proven […]
