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Terms & Conditions

Last updated: April 2025

1. Acceptance of Terms

By accessing and using PollutionLiabilityInsurance.com ("the Website"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use this Website.

2. Insurance Disclaimer

The information provided on this Website is for general informational purposes only. It is not intended as, and should not be construed as, insurance advice, legal advice, or a binding offer of coverage.

Important Notices:

  • Quotes are not available in all states or for all business types. Coverage availability depends on the specific risk, location, carrier appetite, and underwriting guidelines in effect at the time of application.
  • If a quote is able to be obtained, the coverage terms, conditions, limits, and pricing may differ from what was initially requested. All quotes are subject to underwriting review and approval by the issuing carrier.
  • The actual coverages, terms, and conditions will be set forth in the insurance policy. In the event of a conflict between information on this Website and the policy language, the policy language will control.
  • Some coverages may be offered through non-admitted (surplus lines) insurers. Surplus lines policies are not covered by state guaranty funds in the event of carrier insolvency. Surplus lines taxes and stamping fees may apply depending on the state.
  • Insurance products are provided by third-party carriers and are subject to their underwriting guidelines, eligibility requirements, and terms.

3. No Guarantee of Coverage

Submitting an application or request for a quote through this Website does not guarantee that coverage will be offered, bound, or issued. All insurance placements are contingent upon carrier approval and the completion of required underwriting documentation.

4. Accuracy of Information

While we strive to keep the information on this Website current and accurate, we make no warranties or representations regarding the completeness, accuracy, reliability, or suitability of any information provided. Coverage descriptions, features, and pricing information are for general illustration only and may not reflect the exact terms available for your specific situation.

5. User Responsibilities

When submitting information through this Website, you agree to:

  • Provide truthful and accurate information
  • Not submit false, misleading, or fraudulent applications
  • Not use the Website for any unlawful purpose
  • Not attempt to interfere with the proper functioning of the Website

6. Surplus Lines Disclosure

Certain environmental and pollution liability coverages may be placed with non-admitted (surplus lines) insurance carriers. These carriers are not members of any state guaranty association or fund. In the event that a surplus lines carrier becomes insolvent, any unpaid claims would not be covered by a state guaranty fund. Applicable surplus lines taxes and stamping fees are the responsibility of the policyholder and vary by state.

7. Third-Party Links

This Website may contain links to third-party websites, including JotForm application forms. We are not responsible for the content, privacy practices, or terms of any third-party sites. Use of such sites is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, PollutionLiabilityInsurance.com and its owners, operators, affiliates, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use this Website, any errors or omissions in the content, or any actions taken based on the information provided.

9. Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is the property of PollutionLiabilityInsurance.com or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from this content without express written permission.

10. Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to this page. Your continued use of the Website after any modifications constitutes acceptance of the revised terms.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

12. Contact

If you have questions about these Terms and Conditions, please contact us.