POLLUTION EXCLUDED Clause Samples
The 'Pollution Excluded' clause serves to exclude coverage for damages, losses, or liabilities arising from pollution-related incidents under an insurance policy. In practice, this means that if an insured party causes or is affected by the release, discharge, or escape of pollutants—such as chemicals, waste, or hazardous substances—the insurer will not be responsible for covering the resulting costs or claims. This clause is commonly applied to prevent insurers from bearing the significant and often unpredictable risks associated with environmental contamination. Its core function is to clearly allocate responsibility for pollution risks, ensuring that such exposures are either managed separately or specifically endorsed if coverage is desired.
POLLUTION EXCLUDED. This Form does not insure against:
(a) loss or damage caused directly or indirectly by any actual or alleged spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of “pollutants”, nor the cost or expense of any resulting “clean-up”, but this exclusion does not apply:
(i) if the spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of “pollutants” is the direct result of a peril not otherwise excluded under this Form;
(ii) to loss or damage caused directly by a peril not otherwise excluded under this Form;
(b) cost or expense for any testing, monitoring, evaluating or assessing of an actual, alleged, potential or threatened spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of “pollutants”.
POLLUTION EXCLUDED. We do not insure against;
1. loss or damage caused directly or indirectly by any actual or alleged spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of pollutants, nor the cost or expense of any resulting clean up, but this exclusion does not apply:
a) if the spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of pollutants is the direct result of a peril not otherwise excluded under this Endorsement;
b) to loss or damage caused directly by a peril not otherwise excluded under this Endorsement;
2. cost or expense or any testing, monitoring, evaluating or assessing of an actual, alleged, potential or threatened spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of pollutants.
POLLUTION EXCLUDED. This Form does not insure against:
a. loss or damage caused directly or indirectly by any actual or alleged spill, discharge, emission, dispersal,
(i) If the spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of
(ii) to loss or damage caused directly by a peril not otherwise excluded under this Form;
b. cost or expense for any testing, monitoring, evaluating or assessing of an actual, alleged, potential or threatened spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of 6. D DATA & DATA PROBLEM EXCLUDED
a. This Form does not insure b. to property insured that is directly caused by fir e or lightning, explosion, impact by aircraft, spacecraft or Extensions of Coverage
7. The following extensions of coverage shall not increase the amounts of insurance applying under this Form and are subject to all conditions of this Form.
(a) Personal Property of Officers and Employees: includes personal property of officers and employees of the Insured. The insurance on such property:
(i) shall not attach if it is insured by the owner unless the Insured is obliged to insure it or is liable for its loss or damage;
(ii) is, in any event, limited to a maximum recovery of $250 in respect of any one officer or employee;
(b) Growing Plants, Trees, Shrubs or Flowers in the Open: This Form is extended to insure loss or the exception of windstorm or hail as described in clause 5(G) or from theft or a ttempt thereat. This extension of coverage shall be limited to a maximum recovery of five hundred dollars ($500) for each growing plant, tree, shrub or flower in the open including debris removal expense. Permission
8. Permission is hereby granted:
(a) for other insurance concurrent with this Form;
(b) to make additions, alterations or repairs;
(c) to do such work and to keep such articles, materials, and supplies in such quantities as are usual or Breach of Condition
9. Where a loss occurs and there has been a breach of condition relating to a matter before the happening of the loss, which breach would otherwise disentitle the Insured from recovery under this Form, the breach shall not disentitle the Insured from recovery if the In sured establishes that the loss was not caused or contributed to by the breach of condition or if the breach of condition occurred in any portion of the premises over which the Insured has no control.