1. First party insurance indemnifying the insured in respect of expenses incurred in extracting pollutants from land or water on his own site(s) when their release results from an insured loss. Cover may be added to material damage insurance or marketed as pollutant clean up and removal insurance. 2. Pollution liability insurance covers the insured’s legal liability to third parties for bodily injury, property damage or clean up costs on third party sites. Cover may be the result of ‘sudden and accidental pollution’ as per the pollution clause or accidental nuisance, a term in the operative clause of the public liability policy, that usually applies to the accidental escape of pollutants, smells, etc. and includes liability for pure financial loss. Environmental impairment liability provides the widest cover as it applies to gradual pollution cover and may be combined with first party cover. 3. The debris removal clause brings the cost of removing or decontaminating contaminated items within the scope of material damage insurance. Similarly smoke damage following fire is a form of contamination and will be covered under material damage insurance. 4. See 1992 CLC.

Nonflammable liquids formerly used in heat exchangers, electrical condensers, hydraulic and lubricating fluids, and various inks and paints. Most uses of these highly toxic chemicals have been curtailed. Leakage of PCBs in food production led to widespread food poisoning in Japan and leading US authorities have classified PCBs as probable human carcinogens. The chemical is lethal to fish and harmful to wildlife.