Tear Gas Damage Excluded by Pollution Exclusion

Our insured owns and operates a gun shop. During late evening hours while closed for business, unidentified persons broke into the store and stole several items. They activated the silent alarm which brought the police department to the scene.

The police believed the suspects were still inside the premises when they arrived. They decided to shoot tear gas into the building, with the hopes the perpetrators would surrender and exit. It was later determined that the suspects had fled the scene before the police arrived.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis