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... require the insured to sign and date it. Also, request photos of any unusual or high-value items or activities that might pose a coverage problem or require special handling. That way, you can determine whether you need to make an appointment with the client at the site. This procedure provides an opportunity to sell other coverages, improve existing coverage, and even to sell Life and Disability insurance to round out and gain control of the account. 2. Take notes when talking to clients. Organize the notes into a narrative in ... in point is the pollution exclusion, which has evolved from the 1960s versions of the General Liability policies, in three main phases over the years: No contamination or pollution exclusion Accidental contamination or pollution coverage only (no occurrence coverage, with accident generally defined as a sudden and unforeseen event causing damage) Total exclusion on all contamination and pollution Even though most carriers stamped the policy, added cover notes, or otherwise highlighted the fact that coverage was becoming more limited or totally excluded, more and more agents will probably be brought into ... and pollution claims for failing to notify clients properly about limitations and exclusions. There are a number of reasons for this: The stakes are so high for potential loss that the attorneys handling this type of claim are going to try to reach much deeper for a source of funds. Just look at the asbestos litigation activity. In the broad scope of CERCLA legislation, the party responsible for the contamination and pollution loss cleanup might not be the person who did the contaminating and polluting. Your insured might be responsible for cleanup just by ...