Pollution exclusion
Environmental losses often require dedicated coverage or endorsements.
Exclusions
Common reasons a claim may be delayed, limited, or denied.
Exclusions and conditions identify what is not covered or what must be true before coverage can apply.
Employee dishonesty exclusion
Employee theft may need commercial crime or fidelity coverage.
Wear, tear, seepage, maintenance
Property coverage often turns on whether damage was sudden and accidental.
Professional services exclusion
Professional error may need E&O rather than general liability.