Which insurance policy provides coverage for a sudden and accidental pollution event?

The insurance policy that specifically addresses coverage for a sudden and accidental pollution event is environmental liability insurance. This type of policy is designed to protect businesses from liabilities arising from pollution-related incidents, which can include cleanup costs, third-party claims for damages, and regulatory penalties associated with environmental contaminations.

Environmental liability insurance typically offers coverage for incidents that occur unexpectedly, meaning it can respond to unforeseen spills, leaks, or discharges that lead to contamination or environmental damage. This makes it particularly relevant for businesses involved in activities that could pose pollution risks, such as manufacturing, waste management, or any operations that generate hazardous materials.

In contrast, general liability insurance does offer some coverage for pollution-related claims, but it generally excludes coverage for gradual pollution events and does not comprehensively address the unique complexities associated with environmental liabilities. Property insurance primarily focuses on physical damage to property rather than liability for pollution, while workers’ compensation insurance is focused on covering employee injuries and does not address environmental or pollution-related liabilities.

Thus, environmental liability insurance is the most appropriate choice for covering sudden and accidental pollution events, making it the correct answer in this context.