POLLUTION LEGAL LIABILITY (PLL)

Pollution Legal Liability (PLL) provides protection for site owners and operators for liabilities or claims arising from bodily injury, property damage, cleanup costs and defense costs as a result of a pollution event on, at, under or emanating from an insured’s scheduled location. This coverage can also be extended to pollution conditions resulting from the transportation of wastes or products as well as to non-owned disposal site-related environmental liabilities.

ENVIRONMENTAL AND GENERAL LIABILITY EXPOSURE INSURANCE

Many general liability policies contain a standard pollution exclusion which prohibits coverage for bodily injury or property damage resulting from “the actual, alleged or threatened discharge, dispersal, seepage, migration, release, or escape of pollutants” from the insured’s premises. By combining general liability and pollution liability a cost-effective policy is created that helps eliminate the potential errors and coverage gaps that may result in having multiple policies or an industry standard general liability policy.

General Liability:

• Coverage for Bodily Injury, Property Damage, Personal Injury and Advertising Injury for claims arising from an insured’s premises, operations and products on an occurrence or claims-made basis.
• Includes automatic coverage for Products Pollution.
• Per location general aggregate.
• Newly acquired entity coverage up to 180 days.
• Broad form Named Insured, if more than 50% ownership interest.
• Legal defense under Commercial General Liability coverage is in addition to the limit of liability.
• First dollar or deductible/Self-Insured Retention (SIR) options are available.
• Coverage is provided on a non-auditable (flat rate) basis.

Pollution Liability:

• Includes automatic coverage for Products Pollution and Sudden & Accidental (Bodily Injury and Property Damage) pollution events.
• Legal defense under Pollution Legal Liability coverage is provided within the limit of liability.

Broader Pollution Liability Coverages are Available and Include:

• Coverage for on-site cleanup of pollution conditions triggered by discovery or third-party claim.
• Off-site third-party bodily injury, property damage and cleanup costs arising from pollution conditions migrating from covered locations.
• On-site third-party bodily injury and third-party property damage arising from pollution conditions.
• Pollution Liability coverage for gradual pollution conditions.
• Coverage for Underground Storage Tanks.
• Contractors Pollution coverage on an occurrence basis.
• First-party coverage for Business Interruption due to on-site pollution conditions.
• Coverage for pollution conditions resulting from Transported Cargo. Transportation includes auto, air, rail, or watercraft.
• Coverage for third-party claims for on-site cleanup at Non-Owned Disposal Site locations.

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The JCH Difference

JCH Environmental is a full service insurance brokerage and risk management solution provider. Our team includes risk management professionals, legal professionals, engineers and insurance professionals. In addition to their experience at JCH, our team members have previous professional experience in liability dispute resolution, insurance carrier claims management and insurance carrier executive management. With respect to chemical distributors and the National Association of Chemical Distributors (NACD) members, we have over 10 years of experience designing insurance coverage, designing policy holder programs and participating in the claims adjustment process.

Comprehensive risk management services for NACD members. It's what we do.