# THE PROTECTOR
CATASTROPHE LIABILITY POLICY

## GENERAL ENDORSEMENT

### POLLUTION EXCLUSION -- NAMED PERIL EXCEPTION

It is agreed that this policy does not apply to any liability arising out of or in any way related to the actual, alleged or threatened presence, discharge, dispersal, seepage, migration, release or escape of pollutants, however caused, including but not limited to, into or upon land, the atmosphere or any watercourse or body of water, including underground water or water-table supplies.

This policy does not apply to any loss, cost or expenses arising out of any request, demand or order that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify, neutralize or in any way respond to or assess the effects of pollutants. This includes demands, directives, complaints, suits, orders or requests brought by any governmental entity or by any person or group of persons.

The Company shall not have the duty to defend any claim or suit seeking to impose such losses, costs, expenses, liability for damages or any other relief.

The word, "pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including but not limited to smoke, vapors, soot, fumes, acids, alkalies, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

This exclusion does not apply to liability caused by heat, smoke or fumes from a hostile fire at the Insured's premises or job location. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be.

It is agreed that the above coverage for liability caused by named perils shall only apply if such liability for named perils is also provided to the Insured in the underlying insurance listed in the Schedule of Underlying Insurance or Policies.