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Summary: Fracking involves the pumping of water and chemicals underground at high pressure to shatter rock formations and release gas; the practice generates a considerable amount of waste liquid, which is often disposed of by injecting it into deep rock formations where it can lubricate faults. This may make it easier for stressed faults to shift and cause an earthquake.

While fracking-related losses would be considered excluded under MSO commercial forms, an exclusion for fracking was added to the New Jersey and Pennsylvania endorsements to emphasize the intent of the policy that losses caused by fracking are not covered.

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