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Pollution Exclusion Clause Questioned; Broker Didn't Get Bargained-for Policy

机译:污染排除条款有疑问;经纪人没有讨价还价的政策

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摘要

A pollution exclusion clause doesn't automatically free an insurer from its duty to defend a refrigeration company in an action stemming from an ammonia leak if that would exclude essential coverage, a federal court in Pennsylvania ruled (Scottsdale Ins. Co. v. Refrigeration Serv. & Eng'g, Inc., 2015 BL 101078, E.D. Pa., No. 14-cv-3920, 4/9/15). An issue of material fact exists as to whether a policy written by Scottsdale Insurance Company for Refrigeration, Service & Engineering Inc. was what the company bargained for, the U.S. District Court for the Eastern District of Pennsylvania said. The court April 9 denied Scottsdale's motion for summary judgment and allowed RSE to conduct discovery into the communications between Scottsdale, the broker and the underwriter that resulted in a policy it said "specifically excludes the very type of coverage it needs" as a heating, ventilating and air conditioning contractor.
机译:宾夕法尼亚州联邦法院裁定,污染排除条款不会自动使保险公司免除因氨泄漏引起的诉讼中为冷藏公司辩护的责任,如果这会排除基本覆盖范围的话(斯科茨代尔律师事务所诉制冷服务) &Eng'g,Inc.,2015 BL 101078,ED Pa。,No.14-cv-3920,4/9/15)。美国宾夕法尼亚州东区地方法院说,关于斯科茨代尔保险公司为制冷,服务与工程公司撰写的保单是否是该公司讨价还价的重大事实问题。法院于4月9日驳回了Scottsdale的即决判决动议,并允许RSE对Scottsdale,经纪人与承销商之间的通信进行发现,从而导致其制定了一项政策,称其“明确排除了其所需的承保范围”作为取暖,通风之用。和空调承包商。

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