If you apply chemicals for a living, pollution coverage is not optional.
Why General Liability Often Excludes Pollution
Most general liability policies contain pollution exclusions that may apply to chemical drift, environmental contamination, and cleanup costs.
What Pollution Liability Covers
- Bodily injury from chemical exposure
- Property damage
- Environmental remediation
- Defense costs
- Regulatory response
Occurrence vs Claims-Made
Claims-made policies require active coverage when the claim is filed, not just when the incident occurred.
Recommended Structure
$1M General Liability
Pollution endorsement or separate pollution policy
$1M CSL Auto
Consider umbrella
For a pollution coverage review, contact Prosperity North Advisors to schedule a consultation.