Absolute pollution exclusion wording and examples

“test for, monitor, abate, clean up, remove, contain, treat, detoxify, neutralize, remediate”

First National Insurance Company of America · Total Pollution Exclusion · 1G1573FR 07 23

Response costs. The exclusion addresses response-related requests, demands and other requirements.

“would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time”

Mississippi Farm Bureau Casualty Insurance Company · Total Pollution Exclusion Endorsement · CG 21 49 09 99

But-for causation. The exclusion turns on a but-for link to a pollutant release, while the First National form also reaches exposure to or the mere presence of pollutants.

“"pollutants" at any time; or (2) "Pollution cost or expense".”

Next Insurance US Company · Total Pollution Exclusion Endorsement · CU 21 25 12 01

Pollution cost or expense. The umbrella version excludes cleanup and response costs through one defined term instead of listing requests, demands and government claims as the general liability version does.

“This exclusion does not apply to "bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"”

Atlantic Specialty Insurance Company · Total Pollution Exclusion With A Hostile Fire Exception · CG 21 55 09 99

Hostile fire exception. Hostile fire is the only carve-back, so pollution injury from any other source, including building heating equipment, stays excluded.

“For the purposes of this insurance, hostile fire means one that becomes uncontrollable or breaks out from where it is intended to be.”

Philadelphia Indemnity Insurance Company · Total Pollution Exclusion With A Hostile Fire Exception · CU 21 51 12 05

Hostile fire defined. The umbrella endorsement supplies its own hostile fire definition, while the general liability version uses the term without defining it in the endorsement.

“caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building”

Atain Insurance Company · Total Pollution Exclusion With A Building Heating, Cooling And Dehumidifying Equipment Exception And A Hostile Fire Exception · CG 21 65 12 04

Building equipment exception. This carve-back restores bodily injury from a building's own heating, cooling or dehumidifying equipment, which the hostile-fire-only form leaves excluded.

“"Bodily injury" if sustained within a building which is or was at any time owned or occupied by, or rented or loaned to, any insured”

Great West Casualty Company · Total Pollution Exclusion With A Building Heating, Cooling And Dehumidifying Equipment Exception And A Hostile Fire Exception · CU 21 52 12 05

Bodily injury only. The umbrella equipment carve-back restores bodily injury, not property damage, and only inside a building an insured owns, occupies, rents or borrows.

“provided the "short-term pollution event" would not have taken place but for a "named peril" having occurred”

National Casualty Company · Pollution Exclusion - Named Peril Limited Exception For A Short-Term Pollution Event · CG 04 28 12 04

Named peril trigger. The event must stem from lightning, windstorm, earthquake, a tank or equipment rupture or explosion, or vandalism by a non-insured, a cause the broader short-term form does not require.

“Ends, in its entirety, at an identified time within forty-eight (48) hours”

All America Insurance Company · Pollution Exclusion - Limited Exception for a Short-Term Pollution Event · 8-2071 02 12

Short-term event. This is one condition in the definition; the exception has additional requirements.

“Is not a repeat or resumption of a previous discharge, dispersal, release or escape of the same pollutant from essentially the same source within twelve (12) months”

Crum and Forster Indemnity Company · Pollution Exclusion - Limited Exception For A Short-Term Pollution Event · CG 04 29 12 04

No repeat releases. This form drops the named peril requirement but adds a 12-month repeat test and removes hostile fire from the event definition, conditions the named peril version lacks.

“do not apply to "bodily injury" or "property damage" arising out of the discharge, dispersal, seepage, migration, release or escape of the "pollutant(s)" listed in the Schedule”

National Fire Insurance Company of Hartford · Pollution Exclusion - Limited Exception For Designated Pollutant(s) · CG 04 30 09 99

Designated pollutants. Coverage returns only for pollutants named in the schedule and used in the insured's operations, with no event-duration or reporting test, while the rest of the exclusion still applies.