Products Pollution Insurance
Download an application (PDF)
Download a product information sheet (PDF)
What is a Products Pollution Liability insurance policy?
Products Pollution coverage provides liability coverage for Bodily Injury and Property Damage to third parties arising out of a manufactured product. Coverage can be provided by either a stand alone policy or by an endorsement to a CGL form and can be offered with either a Claims Made or Occurrence Trigger, depending on the market and type of product being insured.
Why is Products Pollution Insurance important?
- Because it protects the insured against a product failure that may cause a pollution condition.
- Because most General Liability and product policies deny coverage for Bodily Injury/Property
- Because damage may occur as a result of discharge of pollutants from a product.
Optional coverage enhancements:
- Premises Pollution for the insured’s facility or warehouse
- First and third party Transportation Pollution Liability
- Natural Resources Damage
- Coverage for work performed by subcontractors
- Mold coverage
- Blanket Additional Insured
- Waiver of Subrogation
Who buys Products Pollution coverage?
The market is divided into two camps, one termed “soft products” and the other termed “hard products”. Soft products would encompass blending and manufacturing for industries such as chemical, detergent, petroleum, and fertilizer. Hard products include manufacturers of drums and barrels, tanks and vessels, pipe, pollution control, and filtration devices. In addition to manufacturers, importers and distributors of either hard or soft products should also consider purchasing this coverage.
Cost and Limits:
- Premiums start at $4,000.
- Limits are available from $1,000,000.
Get additional information about Products Pollution Liability insurance from
Beacon Hill Associates:
Download an application (PDF)
Download a product information sheet (PDF)
Contact us with your questions about Products Pollution Liabilility insurance.
Beacon Hill can help you round out coverage for your clients with supporting Pollution, Auto, Excess, Professional, General Liability, and Workers Compensation. Writing these coverages with the same carrier adds efficiency, protects against potential coverage gaps, and helps generate the best possible pricing for your insured. Please let your Beacon Hill contact know if you have any questions.