Who's Paying for this Cleanup? Insurance at CERCLA and 21E Sites

By:  James J. Decoulos, P.E., LSP; James Curtis, P.E., LSP; Richard Eurich, Esq.; and Arthur Kreiger, Esq.

At the May 8, 2014 LSPA Membership Meeting, the Loss Prevention Committee presented a special program on the complexities of insurance coverage issues at contaminated sites - especially homeowner sites.  This article is intended to provide a brief summary of the issues discussed at the meeting.  Note, it is impossible in this brief article to provide a full discussion of all the relevant issues that come into play in evaluating insurance.  Further, the exact coverage that is provided by a particular policy depends on the language of the policy, and the generalizations discussed at the meeting may not apply.