The premises pollution program offers much broader coverage than what is provided under ISO or a direct insurance writer’s coverage form. The ISO and direct writer’s coverage form excludes pollution and then adds back coverage via endorsement at the insured’s location on a limited basis.
Key Features
Limits of Liability
from $500,000/$500,000 to $2,000,000/$2,000,000
Deductible Option
$5,000, $10,000, and $25,000
Remediation Expense & Liability
on site contamination
Remediation Expense & Liability
off site contamination
Dedicated Defense Limit $250,000
outside the insurance per occurrence limit
Non Owned Locations
BI, PD & Remediation Expense do not have to schedule locations.
Blanket coverage for above ground storage tanks do not have to be scheduled
Bodily Injury & Property Damage resulting from contamination
Business Interruption option
$250,000 limit
Image Restoration
$25,000 Limit
Mobile service units and wrecker service, so the insured does not have to purchase a separate contractor’s pollution policy
Transportation Limit
same as liability limits chosen.
Mold
Included in definition of contamination
Terrorism
Included