| In today's competitive insurance market, many | | | | performance of Insured's operations, first and third |
| carriers are emphasizing the highlights of their | | | | party carrier coverage available. |
| coverage form and adding enhancements to further | | | | Non-Owned Disposal Site Coverage: coverage for |
| broaden coverage. For Contractors Pollution Liability | | | | liability arising from the disposal of waste into a third |
| (CPL), there are typically blanket endorsements that | | | | party non-owned disposal facility that at the time of |
| are now readily being included automatically. There | | | | disposal is a licensed/permitted facility. Coverage is |
| are also a number of available coverage grants that | | | | available on a scheduled locations basis or blanket |
| can be added once the exposure is evaluated. To | | | | basis. |
| name a few: | | | | Restoration Costs: reasonable and necessary costs |
| Blanket Additional Insured for Owners, Lessees or | | | | to restore/repair property damaged by a pollution |
| Contractors where required by written contract - | | | | condition resulting from the Insured's operations to |
| including completed operations: broadly provides | | | | the condition of the property prior to the loss. |
| protection to the requiring Additional Insured for | | | | Separate Defense Limits: The carrier will pay the |
| liabilities arising out of the ongoing and completed | | | | costs incurred to defend the Insured for a claim; this |
| operations of the Named Insured. | | | | will not erode the policy limits of liability, but be |
| Blanket Waiver of Subrogation where required by | | | | provided in addition to. |
| written contract: the Carrier gives up or waives their | | | | Sudden / Accidental Site Pollution coverage for your |
| right to subrogate, or attempt to collect or share in | | | | Covered Locations: typically providing coverage for |
| the responsibility of a loss for a requiring entity. | | | | third party claims for pollution conditions migrating |
| Blanket Primary and Non-contributory where required | | | | from the Insured's location (locations scheduled, |
| by written contract: the Carrier is affirming that the | | | | blanket coverage may be available). |
| Insured's policy will pay first in the event of a claim | | | | Incidental Professional Services Coverage: coverage |
| (or be primary). Non-contributory means that not only | | | | for liability arising from opinions/recommendations |
| will the Insured's policy respond/pay first, but it will | | | | made by the Insured about the covered operations |
| pay the claim (subject to limits) without the requiring | | | | that are incidental and necessary and for which no |
| entity having to contribute to the loss with their own | | | | compensation is requested. |
| insurance. | | | | Your client is better protected with a CPL policy. It is |
| Transportation Pollution Liability: applies to losses | | | | critical to compare coverage/carriers, in addition to |
| specifically caused by pollution conditions arising from | | | | price, when determining the best home for your |
| transported cargo and the loading & unloading of that | | | | pollution coverage. |
| cargo when the vehicle is being used in the | | | | |