If you have a site, you have a pollution exposure. And if you have an exposure, you need to consider pollution insurance.
Your site may be an empty lot, an office building, a warehouse, a large manufacturing facility, or anything in between. If someone can dump a pollutant on your property, legally or not, you could be held liable for cleaning up that pollutant.
If you store materials of any kind that could be considered a pollutant, you could be held liable for that pollutant's clean up, even if you did not directly cause its spread.
If you have a building where people work, you could be held liable if workers became ill from mold growth or other pollutants. Regarding mold, one of the companies we work with can assist with creating an Operations and Maintenance (O&M) Plan for mold & moisture control as part of your site pollution solution.
Below are some examples of industries with site pollution exposures, with Environmental Risk Overviews that describe some of these risks and the potential claims they face.