In today's insurance marketplace, a growing number of insurance carriers are willing to provide some form of pollution coverage under the CGL policy. After suffering severe financial losses, the insurance industry swore only a decade ago that it would never again offer pollution coverage on standard liability policies. Many insurance companies stopped offering complete and adequate pollution policies, which left many businesses to cover their environmental losses out of their own financial resources. In 1973, the insurance industry responded to environmental discoveries like Love Canal and the other increasing pollution claims by developing and incorporating a “pollution exclusion”; clause as part of the CGL policy. A specialty insurance market, however, evolved around these events. Today, the environmental insurance market has broken out of its niche to provide pollution coverages totaling nearly $900 million in annual gross written premiums.