Isn’t all pollution coverage the same?

No two pollution policies are the same. While they may attempt to protect the client in a similar fashion the way policies respond can be very different. There are markets that only offer pollution coverage on a very limited basis by offering only sudden/accidental time element coverage versus a policy that includes gradual issues. Other basic differences may include: policy trigger, capped defense costs, limited designated operation coverage, no coverage for indoor air quality issues and job site coverage only. It is important to look closely at the policy forms and endorsements when making sure the coverage addresses your client’s needs.