What it does
CG 21 65 replaces exclusion f. with a total pollution exclusion that does not apply to: (a) "bodily injury" sustained within a building owned, occupied, rented or loaned to any insured and caused by smoke, fumes, vapor or soot from equipment used to heat, cool or dehumidify the building, or to heat water for personal use by occupants or guests; and (b) injury or damage from heat, smoke or fumes from a hostile fire (with the waste site and pollution-response site carve-outs).
Who needs it
Apartment, hotel, office and retail building owners, and tenants with furnaces or boilers.
Key provisions and limits
- The equipment exception covers bodily injury only; property damage from the same equipment remains excluded.
Quoting and selling notes
- For habitational accounts, this is the minimum acceptable total pollution form; CG 21 49 would exclude carbon monoxide claims from a building's own furnace.
- CG 34 34 is the version for other coverage parts.
Who gets it and what to do
- Common on apartment, hotel and office building accounts when the carrier wants a total pollution exclusion.
- Property damage from heating equipment and other pollution events (fuel oil spills, chemical releases) remain excluded; premises pollution liability fills that gap.
- The hostile fire exception does not apply at waste sites or where operations respond to pollutants.
