Pollution Aint Covered By Your Insurance

Most liability insurance policies exclude all forms of pollution. If you look at your general liability policy you will find four pages of information on pollution. The cut-to-the-chase fact is, they don’t cover pollution.

Your commercial auto policy will only cover pollution from the gas tank or engine of your vehicle. If you are transporting chemicals, gas, oil, paints, etc. and have a roll-over — no coverage for what spills.

Pollution liability coverage covers pollution. If you transport, store, create, mix, touch, or think about hazardous materials – or materials that could be hazardous to the environment in large quantities – you need to consider pollution liability insurance.

Basic policies start at about $5,000 in premium and go up quickly. Most will be in the $10,000 and up premium range.

Talk with your insurance adviser.