Manufacturing

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First product recall

A CPSC recall names the company as manufacturer, importer or distributor.

Details
Standard cover
Usually excluded
Needs
CPSC Recalls
Exposure
Product liability pays for the harm; it does not pay to pull the product off shelves. Recall expense is a separate purchase almost nobody has made.
Window
At publication, after the recall is already agreed
Misfires
A distributor named on a recall may have full indemnity from the manufacturer.

New permitted facility

A facility appears in ECHO under an air, water or RCRA permit with no prior permit history.

Details
Standard cover
Usually excluded
Needs
EPA ECHO
Exposure
Pollution is excluded on general liability almost everywhere. A permit is a regulator agreeing the facility emits something.
Window
Permits issue before operations start
Misfires
A permit transfer on an acquired site looks identical to a new build.

Enforcement action opens

ECHO shows a formal enforcement action or a significant violation.

Details
Standard cover
Probable gap
Needs
EPA ECHO
Exposure
Fines are uninsurable, but the remediation behind them is what tests whether pollution cover exists at all.
Window
Posts weeks after the inspection
Misfires
Violations get resolved administratively. Read the current status.