Standard CGL policies strictly exclude pollution claims. Environmental Impairment Liability (EIL) fills this critical gap for real estate and industrial operators.
1. Pollution Coverage Triggers
- Gradual vs. Sudden Contamination: Covering underground storage tank leaks and slow chemical migration across property boundaries.
- CERCLA Statutory Cleanup: Reimbursing mandatory EPA Superfund remediation orders regardless of legal fault.
- Indoor Air Quality: Legionella, toxic black mold, and HVAC bio-contaminant remediation coverage for commercial landlords.