Pollution Legal Liability (PLL) and Environmental Impairment Liability (EIL)
A site specific policy is for business owners or organizations that occupy a specific location they own or lease. Site specific exposure policies are Pollution Legal Liability (PLL) and Environmental Impairment Liability (EIL)
A site specific policy covers anything emanating from, on top of, or underneath a specific location. Typical insureds could include service stations, garages, manufacturers, schools or universities, metal work, and recycling facilities.
Many times a General Liability (GL) policy will not cover environmental issues. If contamination gets into soil or substances such as chlorine clouds enter the atmosphere at a business site and affects the neighborhood, GL coverage claims may be denied. Companies with this potential liability need site specific PLL or EIL coverage.