Product Highlight: Pollution Legal Liability

57198-copyPollution Legal Liability (PLL) policies were once purchased exclusively by federally regulated facilities as a financial assurance alternative to comply with federal statutes. The versatility of PLL policies has evolved over the years, and today its applicability is far more widespread. PLL coverage fills the “environmental gap” left in most general liability policies for property owners and facility or site operators.

A broad range of industries including manufacturing, warehousing, commercial/ habitational real estate, hospitality, healthcare, education, energy/oil & gas and agriculture are purchasing PLL to insure against environmental loss.  PLL can be structured to meet regulatory obligations, contract requirements, lender requirements, risk management objectives, and more.  PLL can be tailored and enhanced to meet the specific needs of each risk.

PLL provides coverage for pollution conditions or events on, at, under or migrating from a covered location(s). Coverage is afforded for third-party bodily injury, property damage, cleanup costs and defense costs.  Many PLL policies offer various and different coverage parts under one policy, including:

  • New pollution conditions
  • On-site cleanup coverage
  • Blanket non-owned disposal site (NODS) coverage
  • Emergency response
  • Existing pollution conditions
  • Transportation coverage
  • Business interruption
  • Contingent business interruption
  • Mold liability coverage
  • Legionella coverage
  • Facility borne virus/bacteria coverage
  • Crisis management/crisis response

RT New Day has extensive experience in customizing PLL coverage to meet the needs of diverse businesses.  For example, we’ve successfully tailored PLL coverage to address the unique exposures facing the healthcare and energy industries, as well as to enhance the sale of property and provide assurance to known and unknown environmental liabilities in property transfers.

We Know PLL and the Market:  The PLL policy is manuscripted by each individual carrier, meaning that there are hundreds of different forms and modifying endorsements.  Our team knows the PLL market and the forms inside and out, so we can save you time and ultimately money, by offering you valuable guidance in selecting the most appropriate forms and endorsements for your client.

Partner with RT New Day:  Ask us how we can put this workhorse policy to work for your client. Our expertise and market knowledge can be valuable assets in ensuring that your clients are getting optimal solutions to protect against environmental liabilities. Please contact your RT New Day Consultant at 609.298.3516 for more information about how your client can benefit from PLL coverage.