Eliminates virtually all coverage for pollution incidents, including those
retained in the standard commercial general liability (CGL) policy despite its
"absolute" pollution exclusion. The three Insurance Services Office,
Inc. (ISO), total pollution exclusion endorsements (CG 21 49, CG 21 55, and CG
21 65) remove coverage for bodily injury (BI) or property damage (PD) that
"would not have occurred in whole or part but for" a pollution
incident. The second of these endorsements, CG 21 55, includes a specific
exception for damages caused by smoke, heat, or fumes from a hostile fire. The
third, CG 21 65, makes exceptions both for hostile fire and for BI caused by
fumes from faulty building heating equipment. Insureds should attempt to avoid
any of these endorsements and should negotiate for CG 21 65 if the insurer
insists on adding one of them.