After finding several federal violations regulating the generation, transportation, treatment, storage and disposal of hazardous waste, Washington University in St. Louis was fined $15,000. The University is also responsible for cleaning up the St. Louis high school labs as part of the settlement agreement. This clean up is expected to cost the university at least $45,000. (Source: http://fpn.advisen.com)
The insured in this case may have benefited from a site pollution policy for the following reasons:

• Pro-active risk control by some carriers to help mitigate exposures, such as generation, transportation, treatment, storage and disposal of hazardous waste
• Help with the defense of allegations
• Possibly pay for fines and penalties, depending on the breadth of the coverage and retentions, and if allowable by law.