Products Pollution Liability – Not Just for Manufacturers
By Tracy Durham, Associate Account Executive
Although Products Pollution Liability is often considered for manufacturers, they are not the only ones who could be held responsible when a pollution condition results from a defective or damaged product. Companies that sell or lease goods to others, as well as companies that install, service, or recondition goods, have a products pollution exposure. These companies may not be covered or protected by the manufacturer’s policy and the manufacturer may not have Pollution coverage.
Non-manufacturing companies may perform a service related to the product. A Contractors Pollution Liability policy addresses the work performed by the company, but will typically not address product damage or defect. If your insured installs products and a pollution condition results from improper installation or damage caused during installation, the Contractors Pollution policy should address the situation. If, however, the product itself has a defect or damage not as a result of the installation or servicing then this would be addressed by a Products Pollution policy or endorsement. Read the complete article.
Environmental Exposures Call for Agent, Broker Response
BHA’s President, Bill Pritchard, shares his views on the growing public awareness of the environmental impact on business in the January issue of Rough Notes. Read the complete article.
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