Trustworthy Bank Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.
Pollution Liability Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
GreenChem’s Inspection Non-Compliance*
A solvent leak at GreenChem Manufacturing triggered EPA orders for a $2.5 million cleanup and $million in fines. The company had skipped annual tank inspections for over two years. Their Pollution Liability policy denied coverage, citing failure to maintain mandatory inspection and maintenance schedules.
Potential Denial (The Exclusion):
Inspection and maintenance schedule non-compliance voids pollution coverage, which is a standard US policy clause.
Risk Identified by My Policy Advocate:
Statutory inspection/maintenance compliance as policy condition.
Policy Language:
“The Insured shall conduct quarterly inspections of all storage tanks and maintain written records; failure results in coverage denial.”
Discovery by Clara, our Ai Assistant:
Clara identifies the mandated inspection frequency and documentation requirements for storage tanks and other potential pollutant sources.
Questions to Ask Your Agent:
- Are electronic or vendor logs acceptable for inspection records?
- What penalties do US agencies enforce for noncompliance?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
Why My Policy Advocate
We Read Every Line So You Don’t Have To.
- Upload your policies (PDFs or insurer downloads).
- Our AI assistant, Clara, analyzes every line for outdated limits, exclusions, or risky endorsements.
- You get a clear summary and renewal reminders that help prevent coverage gaps.
Trusted. Secure. Independent.
- 100% Satisfaction Guaranteed — or your money back.
- Secure data storage on Google Cloud (never sold or shared).
- Supported by independent advocates — not insurance companies.
Your Membership Helps Others, Too.
Each month, My Policy Advocate™ donates $100,000 to disaster-impacted communities. Members vote on where funds go — because true advocacy means Paying it Forward.
Don’t Wait for a Claim to Discover the Truth.
Join thousands of members who are taking control of their coverage and protecting what matters most.
For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
© My Policy Advocate 2025
