What happens if an organization has pollution loss exposures not covered by the CGL form?

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Organizations facing pollution loss exposures that are not covered by the Commercial General Liability (CGL) form should seek various types of environmental insurance. The CGL form typically includes limitations and exclusions regarding pollution-related incidents, meaning that not all potential environmental liabilities are addressed.

By pursuing specialized environmental insurance, organizations can obtain coverage tailored to address specific pollution risks and liabilities. This type of insurance can include first-party coverage for cleanup costs, third-party liability coverage for damages to others, and even coverage for sudden or accidental releases of pollutants. Such options help fill the gaps left by the standard CGL policy, ensuring more comprehensive protection against pollution-related exposures.