Is smoke damage covered under the Pollution Section?

It would depend on the source of the smoke.

  • If the smoke arose out of fire or explosion then there would be no cover (under Section B - Pollution) since the proximate cause was an excluded event.
    • The claim might be covered under Section A – Public Liability, since this section does cover fire and explosion.
  • If the smoke arose out of something else, such as overheated materials, then this would be covered.
General Liability