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(888) 553-0021
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Denver Colorado
Contractor Insurance Glossary
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Total Pollution Exclusion
Eliminates virtually all coverage for pollution incidents, including those retained in the standard commercial general liability (CGL) policy despite its 'absolute' pollution exclusion. The three insurance services office, inc. (ISO), total pollution endorsements (CG 21 49, CG 21 55, and CG 21 65) remove coverage for bodily injury or property damage that 'would not have occurred in whole or part but for' a pollution incident. The second of these endorsements, CG 21 55, includes a specific exception for damages caused by smoke, heat, or fumes from a hostile fire. The third, CG 21 65, makes exceptions for both hostile fire and bodily injury caused by fumes from faulty building heating equipment. Insureds should attempt to avoid any of these endorsements, and should negotiate for CG 21 65 if the insurer insists on adding one of them.
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Call us at (888) 553-0021 or
contact us for answers to your Denver CO contractor insurance questions.
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Tell Us About Your Operations
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Work Percentage
(Must Equal 100%)
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Provide detailed description of your contracting
operations. The more complete the description, the more accurate your quote will
be.
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