Pollution Liability Insurance Explained: What Your GL Policy Won't Cover

#PollutionLiability #PollutionInsurance #ContractorsInsurance
Pollution liability coverage is the gap most contractors don't know they have until a claim hits. In this video, Gordon Coyle explains why almost every general liability policy carries an absolute pollution exclusion, and the three places pollution coverage fails even when you're sure you bought it. If you do site work, excavation, demolition, HVAC, plumbing, or you own or lease a yard or shop, this one is for you.

Want to know if the coverage you have matches what your contracts actually require? Grab the free pollution coverage checklist in the resources below, or book a no-pressure call and let's find out together.

You'll learn the difference between a GL pollution endorsement and a standalone policy, why a certificate of insurance is not the same as coverage, how contractors pollution liability (CPL) and pollution legal liability (PLL) split the work from the dirt, and what standalone pollution coverage actually costs.

Don't let a $2,800 policy gap turn into a $260,000 out-of-pocket loss.

Resources mentioned:

➜ Pollution Liability Coverage (full guide) https://thecoylegroup.com/insurance-b...

📲Contact us https://thecoylegroup.com/contact/?ut...

About Gordon Coyle: Gordon Coyle is the founder of The Coyle Group, a commercial insurance brokerage in the New York metropolitan area serving business owners nationwide. For over 40 years he has helped seven, eight, and nine figure business owners find the gaps in their coverage before a claim does. Reach out anytime at [email protected] or book a call through the link above.

⏱️ Timestamps:
0:00 The $260,000 job site nightmare
0:40 The three pollution coverage gaps
1:20 Gap 1: your GL was written to exclude pollution
3:15 Gap 2: the certificate says covered, the policy may not
5:20 Gap 3: liable for pollution you didn't cause
6:45 What standalone pollution coverage actually costs
7:30 What to ask your broker

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