Pollutant cleanup and removal is an often overlooked coverage on property policies. It affords coverage for the costs to remove or extract pollutants from land or water at an insured location if the release of pollutants arose from direct damage from a specified peril.
Property policies commonly provide limits of $10k or $25k, with some including enhancements of $50k, to cover the pollutant cleanup and removal expenses. The potential catastrophic nature of pollutants may result in land and water extraction costs far greater than the limits of coverage typically granted by property policies. An increased limit of coverage should be considered particularly where a separate pollution policy is not in place. Property carriers are often willing to provide a higher pollutant cleanup and removal limit upon request.