Pollution Liability
Definition. Pollution Liability covers cleanup costs and third-party claims for spills, contamination, or environmental damage caused by your business.
Also known as: Environmental Liability, Contractors Pollution Liability (CPL)
Standard GL excludes pollution claims. Required for any business handling fuels, chemicals, sewage, paint, or other hazardous materials. Heavy-duty tow operators, plumbers doing sewer work, painters, and dry cleaners commonly carry it.
Example
Tow operator responds to overturned semi. Fuel tank breaches during recovery; diesel cleanup costs $48,000. Pollution Liability pays.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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