
State Supreme Court Changes the Game on Pollution Exclusions and Environmental Insurance
By David Dybdahl
A couple of litigated insurance coverage cases involving bacteria and contaminated water on farms in Wisconsin are going to be game changers for insurance agents and brokers across the United States.
With the clear precedent caselaw articulated by a state supreme court, it is now readily apparent that:
- Genuine environmental insurance is needed by virtually all commercial insurance buyers that can be associated with a pollution/contamination/mold/bacteria/or Category 3 water loss, including small businesses and family farms.
- Coverage extensions to general liability policies for losses associated with contamination can be laced with technical problems and amount to “useless” insurance.
- Pollution exclusions are clear and unambiguous when contamination is used as the trigger word for the exclusion to come into play on a loss.
Wisconsin Supreme Court Ruling
On December 30, 2014, the Wisconsin Supreme Court in Wilson Mut. Ins. Co. v. Falk, 857 N.W.2d 156 (Wis. 2014), determined that bacteria contamination in drinking water wells as a result of spreading manure on a field is an excluded cause of loss under the common pollution exclusion used in liability insurance policies. On the same day, in Preisler v. General Cas. Ins. Co., 857 N.W.2d 136 (Wis. 2014), the court ruled that nitrates in groundwater, also from land farming waste, is an excluded cause of loss under the Insurance Services Office, Inc. (ISO)-based pollution exclusion.
This excerpt from the 64-page Wisconsin Supreme Court ruling on the Wilson Mut. case is enlightening on how ISO-based pollution exclusions should operate:
We hold that the pollution exclusion clause in Wilson Mutual’s General Farm Coverage Liability policy issued to the Falks unambiguously excludes coverage for well contamination caused by the seepage of cow manure.
First, we conclude that cow manure falls unambiguously within the policy’s definition of “pollutants” when it enters a well.
Second, we conclude the Farm Chemicals Limited Liability Endorsement likewise excludes coverage for “physical injury to property” resulting from pollutants.
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This is a very helpful app with lots of features that speak about its robustness.
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8.
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You can change the table style and language.
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E-mail This Review
Permissions
Access your e-mail address to submit this review.Unlicensed Drivers
The chief executive officer of the Association of Chinese Historical Towns (ACHT) said on Tuesday that he had never heard of the death of a pedestrian who was hit by a bus in Tokyo. Nor has he heard of another AHT member saying he had taken a bus and was hit by a car. But he has heard of cases where cab drivers were killed in accidents https://speachxaragi.weebly.com
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Vibrational spectra of 3-chlorobenzoate derivatives in solution and in solid state.
Vibrational spectra of 3-chlorobenzoate in aqueous solution were measured by the IR absorption and Raman scattering method. The spectra of 3-chlorobenzoate (3CB) in solution contain a phenolic group (1581 cm(-1)), an aryl hydrocarbon group (1154, 1377, and 1447 http://www.faulksbc.org/System/UserProfile.asp?id=44420&func=signup&referer=https://busitilo.weebly.com
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Vibrational spectra of 3-chlorobenzoate derivatives in solution and in solid state.
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Vibrational spectra of 3-chlorobenzoate derivatives in solution and in solid state.
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To install, double-click on the Elimate Black icon to do so or press the command-B keyboard shortcut.
You can change the number of bands that the filter is applied to and even specify which is bands to be eliminated.
Instructions:
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It is also possible to synchronize chord playing between multiple devices.
## Installation
1. Release mode:
2. The application is distributed via the [SISTEMAS OPIÇÃO][1] (Manufacturer’s app)
3. In developer mode:
4. The application can be [downloaded][2] from Github directly.
[1]: https://www.morgeneyer.de/ahnen/login/default.aspx?returnurl=https://harmverrioroun.weebly.com
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Screenshot
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