Specific Pollution Liability (SSPL): SSPL can cover both
first party cleanup costs as well as third party Bodily Injury,
Property Damage and
It is a very complicated coverage that defies simple
explanation, but in short, SSPL provides coverage for
unintentional pollution arising from a designated premise that is
owned or occupied by the policyholder.
Most types of entities can purchase SSPL.
However, depending on exposures, first party cleanup costs
may not be available for certain risks.
SSPL coverage is always written on a claims made
basis and coverage can either be with a retroactive date of
inception or if qualified, can be offered with full retroactive
coverage (sometimes called “historical coverage”).
Site Specific Pollution Liability is often referred to as
Pollution Legal Liability (PLL) or Environmental Impairment
Pollution Liability (TPL):
TPL provides coverage
for accidental pollution emanating from a scheduled vehicle. It
does not cover Bodily Injury or Property Damage resulting from
automobiles other than the pollution aspect and does not include
an MCS-90 endorsement. TPL is usually written on an occurrence
Underground and Above Ground
Storage Tank Pollution Liability:
This coverage provides third party liability and first party
cleanup costs for a covered spill emanating from a
designated Underground or Above Ground Storage Tank. Defense
Costs are provided for in a separate limit from
$100,000-$500,000. This coverage is always written on a
claims made basis. We do not currently offer pollution
coverage for underground storage tanks.
Note: This is a brief description only, and is not intended to
be used as
anything but an introduction to some of the products available
through National Environmental Coverage Corporation. Please
consult the policy form for full coverage wording. This document
does not alter, amend or change
the policy in anyway.