Site Specific Pollution Liability (SSPL): SSPL can cover both first party cleanup costs as well as third party Bodily Injury, Property Damage and Cleanup costs.  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 Liability (EIL).

Transportation 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 form.