Products Pollution

Products Pollution Liability Insurance Policy

Covers the Insured for loss and clean-up costs as a result of a claim for bodily injury, property damage or environmental damage because of a pollution condition caused by the Insured’s product. This policy also provides coverage when the product has been put to its intended use by a person or entity that’s not an Insured. Coverage also applies to a pollution condition caused by the Insured’s product during transportation by a third party.

This policy is suitable for many manufacturers and distributors of various products, including:

• Paints and chemicals
• Metal goods, automotive parts
• Machinery and machinery parts
• Plastic and rubber goods
• Other commercial products

(Ineligible products include cosmetics, products that can be ingested, talcum powder, medical products (invasive), nutraceuticals, pharmaceuticals, turf fields, gym floors, products containing benzene, etc.)

Coverage Details

• Limits of Liability up to $5 million
• Policy term of one (1) year
• $5,000 minimum premium
• Applies to products in the U.S.

Submission Requirements

• Completed Products Pollution Liability Application
• Five (5) years of GL, EIL, Products Liability, or Products Pollution Liability loss runs (including spills or environmental losses that may not show on loss runs)
• Details regarding Warranty and Quality Control program for the product
• Product brochures
• Product liability risk control surveys
• Safety Data Sheets, if applicable
• Past two (2) years of audited financial statements

Policy Benefits

• Coverage provided on occurrence or claims made basis.
• Coverage provided for gradual and sudden and accidental events.
• Legal expense is provided within the limit of liability.
• The policy broadly defines who is an Insured.
• The definition of bodily injury includes building related illness and medical and environmental monitoring.
• Coverage includes compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments, where insurable by law.
• Punitive, exemplary, or multiplied damages, or civil fines, penalties and assessments, where insurance by law, included within the definition of Loss.
• Definition of property damage includes natural resource damages.