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Pollution Coverage Issues

The cost of IRMI application products depends on the size of your organization. The size ranges are as follows.

  • 1-9 Employees
  • 10-30 Employees
  • 31-60 Employees
  • 60+ Employees - Contact us for a quote!

To subscribe to an IRMI product, you can purchase either a single-seat license for an individual, or an unlimited group license for everyone in your organization. The cost depends on whether your firm qualifies as a "Small Business" or a "Large Business" under the definitions in the following table.

Item Individual Small Business Large Business
Users 1 Unlimited Unlimited
Agency/Brokerage Any size Under $10M Revenue $10M+ Revenue
Insurance Company Any size Under $100M Premium $100M+ Premium
Law Firm Any Size Under 10 coverage Lawyers 10+ Coverage Lawyers
Risk Mgmt. Dept. Any Size Any Size N/A
Other Organization Any Size Under 100 Employees 100+ Employees

All IRMI subscriptions are annual. Most subscriptions offer two ways to pay.

  1. Monthly: The full annual cost is broken out over 12 monthly installments that are billed to your credit card each month.
  2. Annual: Get 5% off the full annual cost if you choose a single payment billed to your credit card once per year.

Note that the monthly payment option and the subsequent 5% discount for annual payments are not available on some products.  

Pollution Coverage Issues

Product type: 1 Year Subscription

Publication Date(s): 1998-2016

Update Schedule: Quarterly

Includes: IRMI Environmental Reporter Newsletter

Case Citations: 800+

Part of: Risk and Insurance Package

Discount: Prices shown include a 5% discount for choosing the annual payments option


Summary

Includes IRMI Environmental Insurance Reporter for updates in the law, exposures, and coverages.

If you paid a coverage lawyer to reproduce even a fraction of this information, the cost would reach $50,000 or more in legal fees! Pollution Coverage Issues will save you untold hours scouring treatises, law review articles, and caselaw to determine the status of coverage for long tail environmental claims under the 1973 and post-1986 editions of the ISO CGL. With more than 800 court cases, this powerful reference gives you a bird's eye view of how all 50 states are ruling on issues such as coverage triggers, the known loss doctrine, and allocation. Pollution Coverage Issues includes reports on trends and developments in environmental coverage with an emphasis on coverage caselaw.

Pollution Coverage Issues covers these topics.

  • Definition of "Suit"
  • Definition of "Damages"
  • Coverage Triggers
  • Known Loss Doctrine
  • Allocation
  • "Sudden and Accidental" Exception
  • "Owned Property" Exclusion
  • Post-1986 Pollution Exclusions
  • Pollution as "Personal Injury"
  • Coverage for Successor Liability
  • Lost Policies
  • Newsletter: IRMI Environmental Reporter

Download Table of Contents

Agents, Brokers, and Account Support Staff

  • Consider the exposures faced by your clients in light of the caselaw interpreting the CGL pollution exclusion to help them determine if they need to purchase a separate environmental insurance policy.
  • Help your clients determine if a claim against them might be covered by their current or a past CGL policy.

Risk Managers, Financial Executives, & Insurance Buyers

  • Consider the exposures faced by your company in light of the caselaw interpreting the CGL pollution exclusion to determine if you need to purchase a separate environmental insurance policy.
  • Determine if a claim made against your organization might be covered by the current or a past CGL policy.
  • Get a big picture review of each major issue involving liability coverage of pollution claims.

Underwriters

  • Consider the exposures faced by your insureds in light of the caselaw interpreting the CGL pollution exclusion to determine if you want to make adjustments in the coverage provided by the policy you are quoting.
  • Determine if a claim made against your insured might be covered by its CGL policy.

Claims Adjusters

  • Get a big picture review of each major issue involving liability coverage of pollution claims.
  • Quickly find relevant caselaw deciding almost any aspect of the application of the sudden and accidental or absolute pollution exclusion in any state.
  • Follow trends in the caselaw involving sudden and accidental as well as absolute pollution exclusions.

Attorneys

  • Includes 824 case citations.
  • Get a big picture review of each major issue involving liability coverage of pollution claims.
  • Quickly find relevant caselaw deciding almost any aspect of the application of the sudden and accidental or absolute pollution exclusion in any state.
  • Follow trends in the caselaw involving sudden and accidental as well as absolute pollution exclusions.

Consultants

  • Consider the exposures faced by your clients in light of the caselaw interpreting the CGL pollution exclusion to help them determine if they need to purchase a separate environmental insurance policy.
  • Help your clients determine if a claim against them might be covered by their current or a past CGL policy.
  • Get a big picture review of each major issue involving liability coverage of pollution claims.
  • Follow trends in the caselaw involving sudden and accidental as well as absolute pollution exclusions.
Bonus Publication Icon

Your purchase of Pollution Coverage Issues comes with access to the Contractor's Guide to OCIPs, a handy reference that provides guidance on 39 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program. This publication was prepared by the OCIP Task Force of the AGC of America.

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