What it does
CG 21 55 replaces exclusion f. with a total pollution exclusion like CG 21 49 but with one exception: it does not apply to injury or damage arising out of heat, smoke or fumes from a "hostile fire", unless that fire occurred at a premises used for handling, storing, disposing, processing or treating waste, or at a site where any insured or its contractors are performing operations to test for, clean up or respond to pollutants.
Who needs it
Manufacturers, warehouses and contractors where neighbors could be injured or property damaged by smoke from a fire at the insured's premises.
Key provisions and limits
- Cleanup costs and governmental remediation claims remain excluded.
Quoting and selling notes
- Better for the insured than CG 21 49; CG 21 65 is better still for building owners and tenants because it also keeps the heating equipment exception.
