What is 72 hours sudden accidental pollution clause?

For example, if a sudden and accidental contractor pollution endorsement had a 72-hour identification period and 7-day reporting period., a contractor who had a spill would need to identify the spill within 72 hours of the start of the occurrence and notify the carrier within 7 days of the commencement of the spill.

What does sudden and accidental pollution coverage?

Sudden & Accidental coverage is tied to a discovery and reporting period, and generally covers bodily injury and property damage caused by a pollution loss. If a claim comes in and is a gradual loss, or is not discovered and reported in the time allowed under the policy form, there is no coverage in place.

What does accidental pollution mean?

Sudden and accidental pollution means the sudden and accidental discharge, dispersal, release, or escape of pollutants, resulting in property damage or bodily injury neither expected nor intended from the standpoint of the covered party, onto or upon the land, into the atmosphere, into or under the ground, or into any ...

What does sudden and accidental mean?

Sudden and accidental means an abrupt, fortuitous event which is unintended from the perspective of a reasonable person.

What is a pollution exclusion in insurance?

Pollution Exclusion — a provision in either first-party or third-party insurance policies that excludes coverage for losses caused by "pollution," a term usually defined to mean an irritant or contaminant, whether in solid, liquid, or gaseous form, including—when they can be regarded as an irritant or contaminant—smoke ...

What is 72-HOUR CLAUSE? What does 72-HOUR CLAUSE mean? 72-HOUR CLAUSE meaning

What type of pollution is covered under a homeowners policy?

What is pollution in a property policy? ISO defines "pollutants" in its property policy forms as: any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

What are the two parts of the pollution exclusion?

What is the difference between accident and accidental?

Insurers use the word “accident” to describe an event that happens unintentionally, and which is unexpected or unforeseen. Accidental means may involve acts that caused damage or harm, but which were themselves accidental. Both the injury and the event have to be considered accidents in order for a claim to be covered.

What is considered accidental damage?

Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force. For instance, spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is sometimes included in home insurance, but usually it's sold as an optional extra.

What is considered a sudden water leak?

Generally, water damage that is considered “sudden and accidental” is covered (like a burst pipe) but not gradual damage, like a leaking bathroom sink. And flooding is not covered, such as damage from storm surge during a hurricane. Water damage covered by homeowners insurance typically includes: Burst pipes.

What are examples of accidental pollution?

Contrary to chronic pollution, accidental pollution is the result of sudden events, independent of human will. It may, for example, occur following the rupture of a pipeline, a fire or a shipwrecking. Accidental chemical pollution at sea is generally caused by ship-source spills.

Does umbrella cover pollution?

With a commercial umbrella policy, you get coverage for legal costs, injuries to third parties (not your employees), pollution liability claims, and other expenses that exceed underlying policy limits.

What is seepage and pollution cover?

Insurance companies recognize and insure for two types of pollution: long-term pollution and sudden & accidental. Long-term pollution (or seepage and pollution) is defined as pollution that happens gradually over a long period of time, such as leaching out.

What is gradual pollution?

Progressive/gradual pollution: in this definition are considered prolonged phaenomena of dispersion of pollutants caused, for example, by punctured tanks, leakages from drainage systems etc.

What is general pollution?

Pollution is the introduction of harmful materials into the environment. These harmful materials are called pollutants. Pollutants can be natural, such as volcanic ash. They can also be created by human activity, such as trash or runoff produced by factories. Pollutants damage the quality of air, water, and land.

Is pollution a chemical?

The Effects of Chemical Pollution

Chemical pollution can be caused by a variety of chemicals from a variety of sources and can involve a variety of health effects from simple digestive problems to chemical intoxication and sudden death by poisoning.

Can you claim on car insurance for accidental damage?

If you need a repair to your car because something has been damaged in an accident, your car insurance may provide cover. It all depends on what level of insurance you have. You'll only have this cover if you have fully comprehensive insurance, which is the highest level of cover you can buy.

What is covered by accidental damage in buildings?

Accidental damage contents insurance covers your personal belongings, including furniture, unfitted carpets, decorative items, and appliances. Accidental damage building insurance, on the other hand, covers permanent fixtures such as windows, doors, bathroom and kitchen fittings, pipes, etc.

Should I add accidental damage to home insurance?

Accidental damage cover is an optional extra you can add to your home insurance policy. You may prefer to cover the cost of any accidents or breakages yourself. However, if you can't do that, it's worth considering the benefits.

What are the 3 types of accident?

What is an accidental means clause?

Accidental Means — a condition precedent to recovery under some insurance policies requiring that the covered loss be the result of an accident rather than merely the accidental result of a nonaccidental event.

What are the 5 types of accident?

Is sewage a pollutant in California?

Raw sewage, therefore, constituted a pollutant under the APE and the movement of the raw sewage which overflowed from a residential toilet or sewer constituted a discharge, dispersal, spill, release or escape of pollutants within the meaning of the APE.

What does absolute exclusion mean?

"Absolute" Exclusions — exclusions found within certain insurance policy forms, precluding coverage for claims that are remotely—but not directly—related to the actual nature of the exclusion.

Which of the following is not excluded under Part A of the CGL form?

Which of the following is NOT excluded under Part A of the CGL form? The mobile equipment exclusion applies to the transportation of mobile equipment by the insured. However operation of mobile equipment is not excluded unless for racing or stunting.