What you already knew about, and what you meant to do. Conditions known before the policy incepted are excluded, which is why a site policy usually follows a Phase I assessment rather than preceding one. Intentional discharge and criminal acts are outside it, as are fines and penalties to the extent California treats them as uninsurable. Ordinary liability unrelated to a pollution condition belongs on general liability. Mold, legionella, and indoor air quality are treated very differently between forms, sometimes covered, sometimes sublimited, sometimes excluded entirely.
Related FAQs
Often yes, because conditions like mold or legacy contamination can surface unexpectedly on owned property.
It depends on the form. Some respond to sudden events only, others may include gradual conditions. We can review the wording with you.
Usually not. Standard GL forms largely exclude pollution, which is why a separate policy typically applies.
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