Is Pollution Liability Insurance included in General Liability Insurance?

Pollution Liability Insurance is typically not included in a standard General Liability Insurance policy. General Liability Insurance provides coverage for third-party bodily injury, property damage and personal injury claims resulting from accidents or incidents that occur on your business premises or as a result of your business operations. Pollution-related incidents are generally excluded from standard General Liability Insurance policies due to the specialized and potentially high-risk nature of pollution risks.

Businesses with significant pollution risks or those that handle hazardous materials may require additional and specialized coverage for pollution liabilities. Pollution Liability Insurance or Environmental Liability Insurance is a separate and distinct insurance product designed to address these specific pollution-related risks. This insurance is tailored to cover cleanup costs, legal defense expenses and liability claims associated with pollution incidents, including contamination of land, water and air.