Combined Commercial General (CGL) and Environmental LiabilityCombined Commercial General Liability (CGL) and Pollution Legal Liability (PLL) forms are becoming more popular with facilities and businesses that have a level of exposure to environmental risk through operations, business growth or company mergers.
Commercial General Liability Policies (CGL)
Every private and public business and nonprofit purchases CGL coverage to protect against ‘general liabilities’ faced by business on a day-to-day basis. Some of these businesses have greater environmental risk than others. However, the CGL policy specifically excludes any and all coverage for pollution conditions that arise from such operations and business.
Combined CGL & PLL Policies
Under a combined form, businesses and their operations can be covered by broad pollution coverage not covered by the CGL and the ‘typical’ PLL policy. Why? These policies are targeting business operations with a ‘lower level’ of environmental risk – i.e. wholesale distributors, processors, and manufacturers.
Expanded Pollution Coverage under Combined Form
- Blanket and automatic coverage for owned locations (newly acquired);
- Non-owned locations (off-site disposal sites, warehouses, treatment);
- Cleanup costs includes restoration costs – natural resource damages;
- Transportation of materials;
- Lead and asbestos in soil;
- Fines & penalties where allowable by law;
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