A detailed coverage agreement covering damages resulting from the release or escape of contaminants is a necessary component of true environmental insurance. At a minimum, this coverage applies to:

• Bodily Injury: Covers physical harm to individuals, often enhancing the definition used in general liability (GL) policies.
• Property Damage: Covers damage to property, often enhancing the GL policy's definition.
• Cleanup Costs: Covers expenses required by environmental laws, with possible enhancements depending on the business class.
• Defense Costs: Traditionally included within the liability limit, covering legal defense expenses.

• Non-owned waste disposal sites
• Transportation of pollutants as cargo
• Business interruption
• Loss of rents
• Extra expenses
• Reputational damage
• Midnight dumping on insured locations
• Coverage for fungi/bacteria as defined pollutants
• Amended definitions of cleanup costs for non-hazardous contaminants