BROAD OCCURRENCE COVERAGE FOR POLLUTION INCIDENTS CAUSED BY YOUR WORK

Your work includes, but is not limited to:• Contracting operations – no scheduling required

• Transportation activities (first and third party) including wrongful delivery

• Waste disposal facilities, including broad language, no scheduling required

Site Pollution Liability Coverage (claims made trigger)• Sudden and accidental coverage (15-day discovery,

30-day reporting), including midnight dumping

• Optional expansion to full site coverage, including financial assurance for underground storage tanks

Environmental Crisis Management Coverage• Media and public relations support included, not

subject to a deductible

ADDITIONAL POLICY ENHANCEMENTS

• Defense Outside the Limits of Liability – not subject to deductible or sublimit

• Worldwide Coverage Territory

• Pollutants broadly defined including:

» Fungus and Legionnaire’s Disease, electromagnetic fields, low-level radioactive material, medical and infectious wastes

• Pollution Incidents broadly defined including:

» Midnight dumping, silt or sediment, and exacerbation of pollutants from your work

• Restoration Costs includes repair/replacement upgrades with materials meeting Green Standards

• Emergency Response Costs, for costs incurred within 15 days. Not subject to written demand or sublimit

The Buck’s Got Your Back®1

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ENVIRONMENTAL DIVISION FACT SHEET

CONTRACTORS POLLUTION LIABILITY TOOLKIT II

ADDITIONAL POLICY ENHANCEMENTS

• Bodily Injury – including medical monitoring, building-related illness

• Property Damage – including natural resource damage and diminution in value

• Environmental Damage – including environmental professional trigger absent applicable environmental laws

• No asbestos, lead or silica exclusion for your work

• No professional exclusion

• Intentional Acts exclusion, giveback for specific advice by counsel and emergency response

This document outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. Coverage may not be available in all states or to all businesses. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain such information, please contact your state Department of Insurance or The Hartford at 1-888-203-3823. All information and representations herein are as of October 2019.

In Texas and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Insurance Company of the Midwest, Navigators Insurance Company, Navigators Specialty Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Trumbull Insurance Company, Twin City Fire Insurance Company, Hartford Underwriters Insurance Company, Property and Casualty Insurance Company of Hartford and Sentinel Insurance Company, Ltd.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.

19-NI-78215 © October 2019 The Hartford

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• Broad givebacks for your products and your work

• Waiver of subrogation and additional insured status for insured’s clients where required by written contract

• Broad definition of Insured Contract

• Fines and penalties exclusion limited to criminal

• Coverage for newly acquired entities up to 120 days

• Service of suit in any court of competent jurisdiction within the United States

• Claim notification as soon as practicable

• 90-day automatic Extended Reporting Period (ERP) and available Supplemental ERP up to 36 months

• 90-day notice of cancellation except for failure to pay premium when due

• Non-auditable for premium

TO SPEAK TO AN EXPERT FROM OUR TEAM:Visit us at www.TheHartford.com/env

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