What type of coverage should a business seek to include pollution coverage, particularly for cleanup costs, in its commercial general liability policy?

The appropriate coverage for a business to include pollution coverage, especially for cleanup costs, is the Pollution Liability Coverage Form. This specialized form is designed specifically to address the unique risks associated with pollution claims, which are often excluded from standard commercial general liability policies. The Pollution Liability Coverage Form provides coverage for third-party bodily injury and property damage claims arising from pollution conditions, along with associated cleanup costs.

Businesses that handle hazardous materials or have any exposure to pollutants would particularly benefit from this coverage. It fills the gap left by standard policies that typically exclude pollution-related incidents, ensuring that businesses are financially protected against potential liabilities related to environmental damage and cleanup operations.

Other options like Environmental Impact Coverage or Workers Compensation Pollution Supplement do not provide comprehensive coverage specifically targeting pollution liability in the context of commercial general liability. The General Liability Pollution Exclusion specifically denies coverage for pollution-related incidents, making it clear that businesses need to seek specialized forms to ensure adequate protection in this area.