This contractors pollution liability course was developed to examine the
scope of contractors’ pollution liabilities, including the legal theories upon
which they are based. Pollution risks present unique challenges for
contractors. While some pollution incidents are immediately apparent, others
occur slowly, often undiscovered, for a period of time. In many cases, these
damages may fall within the pollution exclusions of their commercial insurance
policies. The scope of coverage for these risks under basic policies—including
the standard commercial general liability (CGL), business auto, and umbrella
policies—is examined in some detail, with specific attention to the risks that
are not covered under these policies. Finally, the course takes an in-depth
look at contractors pollution liability insurance and the scope of coverage
available under these policies. Contractors pollution liability insurance is a
nonstandard line of coverage; therefore, policy terms vary from one form to
another. This course examines both the many similarities in these policies and
the significant differences that can have a profound impact on a contractor’s
coverage. A detailed overview of the purpose and function of contractors
pollution liability insurance is provided, including a discussion of coverage
triggers, covered damages, exclusions, and policy conditions, to name a
few.
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