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Endorsements

Absolute pollution exclusion in admitted P&C products

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Coverage intent

An absolute pollution exclusion removes or sharply limits coverage for pollution-related injury, damage, cleanup, or environmental liability.

Coverage impact

Pollution exclusions define the boundary between general liability and environmental coverage. Wording differences can affect construction, habitational, manufacturing, and premises risks.

Form similarity

Form groups by coverage intent

FilingFocus converts each form into a numeric representation of its wording. The map compares distance between those representations, so forms with similar intent, not just keywords, appear closer together. This helps show repeated variants, related form families, and outliers.

Form group
Absolute pollution exclusion
995 forms on chart / latest Jun 23, 2026
More typical wording
Less typical wording
Each dot is a filed form in the selected group. Dots close together tend to use similar wording.
Multi-company use
Multiple products
Multi-state rollout
Single company/product
Larger dots appear in more filings for the selected group.
Wording signals
Most common wording
Total Pollution Exclusion for OCP Policies
CG 70 72 12 97
5 filings
AMERISURE PARTNERS INSURANCE COMPANY + 2 more
Commercial General Liability
Less common wording
POLLUTION EXCLUSION AMENDED NEW YORK
CON-MGTL-405 08/21
1 filing
Blue Ridge Indemnity Company
Directors & Officers Liability

Where this language appears

Matching form records, product lines, state activity, and recent examples for this coverage language.

Matching form records

Recent records

Product submissions

Companies

Sample form language

A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.

Selected form

Total Pollution Exclusion

Form #: 1G1573FR 07 23

First National Insurance Company of America

Commercial General Liability

KS | Jun 23, 2026

This endorsement replaces the pollution exclusion with broad language for injury, damage, cleanup, and regulatory-response costs.

Pollution event and cleanup scope

p. POLLUTION

    (1) "Bodily injury" or "property damage" arising out of the actual, alleged, threatened, or suspected discharge, dispersal, seepage, migration, release, escape, emission, transmission, absorption, ingestion or inhalation of, contact with, exposure to, existence of, or presence of "pollutants" at any time.

    (2) Any damages, loss, costs, or expenses arising out of any:
        (a) Request, demand, order, or statutory or regulatory requirement that any insured or others test for, monitor, abate, clean up, remove, contain, treat, detoxify, neutralize, remediate, dispose of or in any way respond to, or assess the effects of, "pollutants"; or
        (b) Claim or suit by or on behalf of any governmental authority or any other person, entity, or organization for damages because of testing for, monitoring, abating, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating, disposing of, or in any way responding to, or assessing the effects of, "pollutants".

Selected excerpt from this form.

Notable language points

  1. 01Uses broad pollution event verbs, including migration, release, exposure, and presence.
  2. 02Extends beyond liability damages to testing, monitoring, cleanup, containment, treatment, remediation, and response costs.
  3. 03Applies across alleged and threatened pollution events, not only confirmed releases.

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