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<br />... m ~i;'R. 6.200.1
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<br />Pollution injury or damøge. We won't cover
<br />injury or damage or medical expenses that
<br />result from pollution at, on, i'1, or from any:
<br />. protected person's premises;
<br />. waste site; Or
<br />. protected person's work site.
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<br />Nor will we cover injury or damage or
<br />medical expenses that result from pollution
<br />involving any waste pollutant.
<br />
<br />But We won't >lpply this exclusion to bodily
<br />injury, property damage, or medical expenses
<br />that result from:
<br />. building heating equipment fumes, smoke,
<br />soot, or vapors;
<br />. contractor or service work materials
<br />fumes, gases, or vapors;
<br />. hostile fire heat, fumes. or smoke; or
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<br />. mobile equipment operating fluids.
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<br />Nor will we apply this exclusion to:
<br />. bodily injury or property damage th>lt
<br />results from yol.lr products or your
<br />completed work, other than waste products
<br />or completed work; or
<br />. premises d>lm>lge that results from fire.
<br />
<br />Pollution means any actual, alleged, or
<br />threatened discharge, dispersal. escape,
<br />migration, release, or seepage of any
<br />pollutant.
<br />
<br />Pollutant means any solid, liquid, gaseous,
<br />or thermal irritant or contaminant, including:
<br />
<br />. smoke, vapors, soot, fumes;
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<br />. acids, alkalis, chemicals; and
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<br />. waste.
<br />
<br />Waste includes materials to be recycled,
<br />reconditioned, or reclaimed.
<br />
<br />Prqtected persorts premises means any
<br />premises, site, or location that is or was at
<br />any time owned, rented. leased, borrowed.
<br />Or occupied by any protected person. For
<br />example:
<br />
<br />You sold an office building two years ago.
<br />It contains asbestos ceiling tile that
<br />released asbestos into the air while you
<br />owned it. A former tenant now sues you
<br />for bodily injury that allegedly resulted
<br />
<br />li:32 )5fgv NO.293
<br />
<br />P.26/31
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<br />1beStIIIuI
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<br />from the release of that asbestos, We
<br />won't cover such injury.
<br />
<br />Another example:
<br />
<br />You own an apartment building. Its
<br />woodwork is finished with paint that
<br />contains lead. Two of your renters sue you
<br />for bodily injury to their children allegedly
<br />caused Þy the lead in that paint. The
<br />children supposedly consumed the lead by
<br />eating chips of the paint from the window
<br />sills in their apartments. We wortt cover
<br />such injury.
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<br />But we won't consider a premises, site, or
<br />10<:atio'1 tha~ isn't owned. rented. leased,
<br />borrowed, or occupied by yol.¡ to be a
<br />protected person's premises in connection
<br />with pollution that results from your work
<br />being performed there. For examp!e:
<br />
<br />You are hired b¡ the owner of a premises
<br />to perform work there. The premises
<br />owner requires you to provide it with
<br />insurance protection for that work. We do
<br />SO with an additional protected person
<br />endorsement under this agreement. Your
<br />work being performed on that premises
<br />causes pollution injury or damage to
<br />happen there. Even though that premises is
<br />owned by an additional protected person.
<br />we won't consider that premises to be a
<br />protected person's premises for purposes of
<br />determining your coverage. or the premises
<br />owners coverage. for that injury or damage
<br />under this agreement.
<br />
<br />Waste site means any premises. site, or
<br />location that is or was at any time used by
<br />or for any protected person or others for
<br />the handling, storage, disposal, processing,
<br />or treatment of waste. For example:
<br />
<br />For several years waste generated by your
<br />manufacturing business was disposed of in
<br />a landfill owned by others. The landfill
<br />was closed two years ago. Nearby
<br />residents now allege that they're being
<br />injured by the waste from there. We
<br />wont cover such injury.
<br />
<br />Protected person's work site means any
<br />premises, site, Or location at, on, or in
<br />which work is being performed by or for
<br />any protected person when:
<br />
<br />47150 Rev. 7-01 Printed in U.S.A. Insuring Agreement
<br />!IISt.Paul Fire end Marine Insurance Co. 2001 All Rights Reserved
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<br />Page 23 of 28
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