Pollution policies are not one size fit all and often insurance brokers are guilty of selling off the shelf solutions. Consultants, contractors and remediators each have a different risk footprint requiring a unique pollution solution.
For remediators, coverage at owned premises is as important as at job sites as remediators often short term store pollutants at their facilities. Transporting pollutants and ultimately to sanctioned landfills has peril and have accompanying insurance solutions.
Finally, and very often overlooked, is protection for fines and penalties levied by provincial or federal jurisdictions over and above remediation costs.