Pollution Liability
Covers cleanup costs and third-party claims when pollution comes from your operations, your premises or the materials you move.
Most commercial General Liability policies carry a pollution exclusion, and many are broad. That leaves a gap for any business whose work involves fuel, chemicals, waste or other materials that could contaminate. Pollution Liability is written to fill that gap, but forms vary widely. Some respond only to sudden and accidental releases; others reach conditions that develop gradually. Some cover a fixed site, others your work at job sites, others materials in transit. Contracts and MSAs often require a specific form and limit. We read those requirements, compare them with what your current policies say, and place the form that fits. Coverage depends on the terms, conditions and exclusions of the policy issued.
What it covers
Cleanup and remediation costs for a covered pollution condition
Third-party bodily injury and property damage from a release
Sudden releases and, on some forms, conditions that develop gradually
On-site and off-site exposures, including materials in transit and at non-owned disposal sites
Who needs it
Businesses that store, handle, transport or dispose of materials that could contaminate soil, water or air, including oilfield and energy services, contractors, manufacturers, transportation companies, property owners and developers, and environmental service providers.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where Pollution Liability fits in your program.
Liability tower
Sits over
Covered
Cleanup and remediation costs for a covered pollution condition
Third-party bodily injury and property damage from a release
Sudden releases and, on some forms, conditions that develop gradually
On-site and off-site exposures, including materials in transit and at non-owned disposal sites
Common add-ons
Transportation pollution coverage
Non-owned disposal site coverage
Mold and microbial matter, where available
Contractor’s pollution liability for project work
Not covered here
Conditions known before the policy began, unless specifically scheduled
Fines and penalties, unless insurable and added
Intentional or non-compliant discharges
Damage to your own vehicles and equipment (see Commercial Auto and Inland Marine)
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
General Liability
Covers claims that your operations caused bodily injury or property damage to others.
Umbrella & Excess
Adds limits above your general liability, auto and employer’s liability when a claim exceeds them.
Commercial Auto & Fleet
Covers vehicles your business owns, leases or uses, and the people who drive them.
Where this matters most
The industries that most often need this coverage.
Oilfield Services
Programs for oilfield service companies, built around MSA requirements, crews in the field and equipment moving between sites.
Manufacturing
Protection for plants, product lines and the supply chains behind them.
Construction & Contractors
Programs for general and trade contractors, built around contract requirements and jobsite risk.
Towing, Auto Service & Local Fleets
Programs for tow operators, repair and service shops, and the local fleets that keep a route running.
Real Estate & Property Management
Coverage for owners, investors and managers across single assets and portfolios.
Review your Pollution Liability program with the team.
Request a coverage review