Which of the following is not included under environmental liability insurance?

The assertion that personal injury claims are typically not included under environmental liability insurance is based on the nature of environmental liability coverage. Environmental liability insurance primarily focuses on risks associated with pollution and environmental hazards, such as contamination of land, air, and water. This includes claims arising from pollution events, oil spills, and the disposal of hazardous materials, all of which directly relate to environmental impacts.

Personal injury claims, on the other hand, generally pertain to injuries that occur due to various reasons, such as accidents or negligence, rather than being specifically tied to environmental factors. While personal injury can occasionally intersect with environmental issues—such as health impacts from pollution—the coverage for personal injury is more commonly found under general liability insurance or other specific policies, rather than under environmental liability insurance.

This distinction clarifies why personal injury claims are not included under environmental liability insurance, reinforcing the focus of such policies on environmental risks rather than on general personal injury issues.