This environmental group purchase program provides public entities coverage for bodily injury, property damage, and cleanup costs caused by pollution conditions at scheduled locations or arising from certain operations.
Renewal Date: July 1
Deductibles
- $250,000—Each Pollution Condition
- $1,000,000 - Mold (all locations except healthcare, hospitality) - $1,000,000 or $100,000 multiplied by the number of rooms impacted by the same, related, or continuous Pollution incident for healthcare and hospitality locations
- $500,000 - Legionella
- $1,000,000 for Sewage Backup
- $1,000,000 - Wildfire
- $500,000 - Pollution Conditions that occurred prior to July 1, 2021
Features
- Third Party claims for bodily injury, property damage, and off-site remediation coverage
- Products pollution coverage for loss that the Insured becomes legally obligated to pay as a result of Claims for Bodily Injury, Property Damage or Remediation Expense for potable water sold, handled or distributed by the insured, others trading under the insured’s name or a person or organization whose business the insured has acquired (does not include PFAS coverage)
- Blanket coverage for waste materials that originated at a covered property at Non-Owned Disposal Sites (only BKK Landfill is excluded)
- Cleanup as a result of pollution conditions at, on or under a covered property
- Defense Costs
- Sudden and accidental coverage for passenger airports with less than 2.500 passenger boarding's per year (exception for Bishop airport that is scheduled) are covered (7-day discovery/21 day reporting requirement applies)
- Pollution coverage for vehicles owned or leased by the insured
- Emergency Response Expenses (must be incurred within 7 days and reported within 14)
- Business interruption that directly resulted from a pollution incident on, at, or under a covered property
- Covered Locations: Covered Property means any location identified in any Statement of Values or “Vacant and Non Vacant Land Listings ”on file with the Company, as of the Inception Date, including, but not limited to, any subsurface potable water, wastewater or storm water pipelines to or from a Covered Property provided that such pipelines are located within a one thousand (1,000) foot radius of such Covered Property. Covered Property shall also include any location scheduled to this Policy by endorsement.
- Covered Property. Covered Property shall also include any location scheduled to this Policy by endorsement. Automatic Coverage for Newly Acquired Locations - Must be reported within (180) days of the Named Insured taking title or its occupancy and not a landfill or not an RCRA or Superfund site
Claims
2425_PRISM Pollution_Claims Reporting Form