Pollution Liability Insurance

Basic liability insurance policies like the general liability and umbrella liability policies do not cover pollution.

Want to test to see if your agent is any good? Ask her what insurance companies she will go to to get you a quote on pollution liability insurance.

Here is the answer for most US businesses: Zurich, ACE, Chubb, Chartis, Zurich, XL, Philadelphia, and Evanston.

There are certainly others. These are the big players though.

If it takes your agent more than a day to get back to you with the above list of companies or they only name one or two of the above, start asking questions.