{"id":8201,"date":"2022-03-20T18:20:24","date_gmt":"2022-03-20T22:20:24","guid":{"rendered":"https:\/\/360mediations.com\/en\/?p=8201"},"modified":"2022-03-20T18:20:28","modified_gmt":"2022-03-20T22:20:28","slug":"no-insurance-coverage-for-vendor-being-sued-for-selling-property-with-underground-storage-tanks","status":"publish","type":"post","link":"https:\/\/www.360mediations.com\/en\/no-insurance-coverage-for-vendor-being-sued-for-selling-property-with-underground-storage-tanks\/","title":{"rendered":"No Insurance Coverage for Vendor being Sued for Selling Property with Underground Storage Tanks"},"content":{"rendered":"\n<p>In this recent case, a Purchaser sued the Vendor who sold the property with two hidden underground storage tanks (\u201cUSTs\u201d).\u00a0 The cost to have the USTs removed was potentially very significant.\u00a0 The Vendors brought a motion to get their insurance company to defend them, and if a judgment was rendered against them, to get the insurance company to pay that judgment.<\/p>\n<p>The Vendor lost this &#8220;coverage&#8221; motion.\u00a0 In the end, the court ruled that the insurance company did not have to defend, nor indemnify, the Vendor policy-holder.\u00a0<\/p>\n<p>The case delves heavily into insurance policy wording and interpretation, however, in the end the judge basically summed things up as follows:<\/p>\n<ul>\n<li>There was a pollution exclusion clause in the policy;<\/li>\n<li>The pollution exclusion clause was written in plain English and easy to understand;<\/li>\n<li>Everything about the claim centered around pollution \u2013 essentially, this claim would likely not exist if it were not for the worries and concerns over the USTs leaching pollutants into the air and into the soil underneath the building;<\/li>\n<li>The fact that there was possible insurance coverage to comply with regulatory requirements (and there is a regulation that requires decommissioned USTs to be removed), the nature of the claim was still a claim for pollution, and the pollution exclusion specifically mentioned that there was no coverage for costs incurred to comply with statutory or regulatory requirements;<\/li>\n<\/ul>\n<p>Remember, however, that commercial insurance policies can be written very differently since there is no standard wording for such policies: as such, it is important to seek legal advice if you find yourself in the same situation, because there may be nuances in the policy wording that could lead to a different result.<\/p>\n<p><strong><em>Kin v. Ecclesiastical et al<\/em><\/strong>, 2022 CanLII 18989<\/p>\n<p><a href=\"https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022canlii18989\/2022canlii18989.html\">https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022canlii18989\/2022canlii18989.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this recent case, a Purchaser sued the Vendor who sold the property with two hidden underground storage tanks (\u201cUSTs\u201d).\u00a0 The cost to have the USTs removed was potentially very significant.\u00a0 The Vendors brought a motion to get their insurance company to defend them, and if a judgment was rendered against them, to get the&hellip; <a class=\"more-link\" href=\"https:\/\/www.360mediations.com\/en\/no-insurance-coverage-for-vendor-being-sued-for-selling-property-with-underground-storage-tanks\/\">Continue reading <span class=\"screen-reader-text\">No Insurance Coverage for Vendor being Sued for Selling Property with Underground Storage Tanks<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[50,45],"tags":[201],"class_list":["post-8201","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","category-real-estate","tag-pollution-exclusion","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>No Insurance Coverage for Vendor being Sued for Selling Property with Underground Storage Tanks - 360Mediations<\/title>\n<meta name=\"description\" content=\"Depending on the wording, a pollution exclusion in insurance policy can prevent a Vendor from getting insurance coverage for liability arising from fuel tanks not disclosed to Purchasers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mail.360mediations.com\/en\/no-insurance-coverage-for-vendor-being-sued-for-selling-property-with-underground-storage-tanks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Insurance Coverage for Vendor being Sued for Selling Property with Underground Storage Tanks - 360Mediations\" \/>\n<meta property=\"og:description\" content=\"Depending on the wording, a pollution exclusion in insurance policy can prevent a Vendor from getting insurance coverage for liability arising from fuel tanks not disclosed to Purchasers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mail.360mediations.com\/en\/no-insurance-coverage-for-vendor-being-sued-for-selling-property-with-underground-storage-tanks\/\" \/>\n<meta property=\"og:site_name\" content=\"360Mediations\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-20T22:20:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-20T22:20:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.360mediations.com\/en\/wp-content\/uploads\/2022\/01\/COURT-DECISIONS-360MEDIATIONS-1x1-1.png?fit=406%2C322&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"406\" \/>\n\t<meta property=\"og:image:height\" content=\"322\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"David M. 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