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A handful of habanero peppers on a Denver school playground resulted in evacuation, shutdown and decontamination.

No, that question is not a lead-in to a tasteless joke.  In fact, for those who have reason to buy, sell, litigate, or underwrite environmental insurance, the question is profoundly relevant. And the answer—“more than you might think”—may come as a shock to those who have never considered insuring their potential liabilities for contamination.

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