Media Center


The Importance of Products Pollution Liability Coverage for Businesses

November 19, 2020

What is a Products Pollution Liability Insurance policy?

Products pollution liability insurance helps to protect businesses from unexpected pollution exposures that may not be covered by standard property and casualty policies.

This coverage has become an insurance coverage gap for many different industries. The basic 2001 ISO CGL policy provides very little pollution coverage, if any. Companies that manufacture products can potentially be held liable for any defects that occur and end up polluting the environment, and they are not the only companies that can be held responsible. This gap in coverage can end up costing an enormous amount of money in legal fees, cleanup costs, and it could potentially result in the loss of your business.

What does Products Pollution Liability Insurance cover?

Products pollution liability insurance is a specific type of liability policy that is designed for manufacturers, distributors and the like that have various types of products. The type of coverage provided by a products pollution liability insurance policy will vary from provider to provider. However, in general, these types of insurance policies offer coverage for the following:

  • Third party bodily injury claims
  • Third party property damage claims
  • Legal fees associated with claims

In conclusion, a products pollution liability insurance policy is important to have as it is designed to protect business owners from any potential, unforeseen incident that may arise. There is a significant coverage gap in the standard property and casualty policy for products pollution coverage.

Many businesses have products pollution risks that they are not even aware of. Ask yourself what products pollution exposures your business may face, what kind of losses would likely occur, and how that will affect your business in the long run. Can your business afford to take the risk of not purchasing this coverage?

For more information, please visit our Property & Casualty page or contact me direct:

Maggie Rettig
Client Manager, Property & Casualty



Note: This communication is for informational purposes only. Although every reasonable effort is made to present current and accurate information, Oswald makes no guarantees of any kind and cannot be held liable for any outdated or incorrect information. View our communications policy.