Insurers typically write Pollution on nonadmitted paper, so underwriters can manuscript coverage to a policyholder’s particular needs.
The various policies can cover Mold and Business Interruption, though some insurers add those coverages by endorsement. In addition, some policies are transferable.
“There’s a lot of flexibility built into [policies] that certainly didn’t exist 10 years ago,” says Bruce Kranz, senior vice president of Environmental risk at brokerage Hylant Group.
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